davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (FL)

I leased a vehicle through a dealership in Illinois on XXXX XXXX, 2017, paying applicable sales taxes, registration and title fees for Florida where my primary residence is. I received temporary license plates from the dealership since expired as the leasing institution needed to provide license plates per the law in Florida as they are the legal title holder. The lease was done through U.S. Bank and they had all of the paperwork as of XX/XX/XXXX. As of XX/XX/XXXX, U.S. Bank has not provided me with license plates for my vehicle. I spent 2 hours in the DMV on XX/XX/XXXX trying to figure this out and another 3 hours yesterday, XX/XX/XXXX, there to finally find out that U.S. Bank is at fault in not providing me plates and I wasted a total of 5 hours. After speaking to U.S. Bank last night for an hour, they have not provided a sensible remedy, only more inconvenience for me, they want me to fulfill their duties. Their solution was to provide me a POA from their title department and they could only fax it to me. The real kicker is that this would take an extra 7 business days to get to me where they would overnight at that point. That would leave me driving an unregistered vehicle for another 10 days in Florida. In addition, rather than U.S. Bank fulfilling their requirements to get me license plates as per their contractual and state obligations, they are requesting that I personally go back, and do their work, to the DMV to get the plates when the POA is received so I can waste another 3 hours of my time. I am currently driving an unregistered vehicle in Florida per the DMV here as U.S. Bank has not fulfilled their legal obligations in Florida regarding title nor their fiduciary obligation to me as the leaseholder and customer. In fact they have been grossly negligent with me and have not fulfilled their contractual obligation with me per terms of our lease.
Consumer complaint received 2017-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX/XXXX/16, I called Wells Fargo and made a payment over the phone as I did not have time to set up auto pay at my bank. They took my Debit card info and I have confirmation # XXXX. The I set up auto pay for the payment to come out the XXXX of each month to make it to Wells Fargo by the XXXX Due Date. Mid XXXX I got calls morning, noon and night. I answered at home, and was told by this gentleman that my payment was due, I told him I had auto pay, he said well no payment has been received, and I got on my computer and to find out, for some reason the payment for XXXX did not go out, my bank did not know why either. So I tried to pay it, he refused to take my debit card! He said he would only take my bank routing # and account information from my checking account. I told him I do not have checks! I do n't use them and do n't have this information. Well he was not very helpful, and the calls continued. I have to work, and as I nurse, I work hard, and I called to complain, and I got someone and told them what happened and then the bank payment went through on the XXXX. So XXXX I was late by what, 11 days. Then moving forward, all my payments were EARLY! Then I kept getting charged late fees, then they charged some sort on Interest On Purcharses of which there are none! This was a roofing contract for a specific sum, for a 36 month, No Interest loan! They then cancelled the first card, initiated another one and I still kept up and paid early! I finally had enough, called again, tried speaking to multiple people to stop this insanity. Finally recently a person named XXXX, reversed several late fees, but they still added one right back right after this, I paid on XXXX XXXX and on XXXX XXXX, they charged me a Late Fee!! AND, still charging interest on something called " Interest on Purchases '', but there are none!!! What kind of insanity is this? This is so wrong, immoral, unprincipled, worst customer service ever, then ... .THEN, I get a notice that they had reported a Negative Report on my and my spouse 's Credit Report on all 3 Bureaus '!!! For being 2 months late!!! We are not late!!! We are not missing any payments!!! They will not listen, they will not reverse this, this is not acceptable. So today, I went to my bank, got a cash adavance and paid {$3200.00} on the {$3200.00} balance, and I am done! I do not and will not do any business with them every again!! This is the worst case of fraud, should be illegal activity and worst treatment of customers ever.
Consumer complaint received 2017-07-26
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. (TX)

Collection agencies ( XXXX XXXX XXXX XXXX ) have added a collection to all XXXX credit bureaus and I do not owe the original creditor who is XXXX XXXX.
My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof.
I requested proof from both collection agencies and this is what I received from both of them.
XXXX, Experian and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit.
I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WY)

I had a Chevron and/or Texaco Techron Advantage Advantage Credit Card, which is issued by Synchrony Bank ( XXXX ). They failed to reissue a renewal card in XXXX 2016, and then later closed my account. They gave me no notice that they closed the account - I had no idea until I logged in to check the account and found I had no credit line. I have never used this account - not once. When I spoke to XXXX ( Agent XXXX ), she said that they closed it due to " inactivity '' and that they would not reopen the account, but I could apply once again. This is improper, unfair and abusive. Any time the credit grantor closes an account, it is a negative hit to the credit report. I did nothing wrong. I did nothing to violate this company 's trust. Yet, they just caused a negative hit to my credit report.
Consumer complaint received 2017-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

A transaction through Paypal on XX/XX/XXXX for {$910.00} was debited back to my account on XX/XX/XXXX. I explained to Paypal rep that pay pals contract, which is a contract of Adhesion, states clearly that this transaction is guaranteed. Paypal uses the guarantee offer to solicit consumers to sign up as use they service, as they did with me. However, PayPal seems to DELIBERATELY ignore their own policy, breaching our contract. I have been unable to use my PayPal account for weeks and this has cost me business.
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Beginning in XX/XX/XXXX I submitted my IDR form to switch from the REPAYE plan to IBR I have received multiple emails about rejection from the plan due to missing information. After calling one customer service representative and several hours later they find the missing information that they had " lost '', then they " record '' our new conversation for the people who review the forms. A week goes by and I get another rejection notice. Same problem as before, missing information, the same missing information, several hours later they find it and write a " note ''. The process repeats for several weeks. Nobody seems to be able to find old notes. I started finally asking for managers. Now the managers began reassuring me of completion of the form by certain dates. However, they are " sorry '' but it is too late within the current month ( i.e. XX/XX/XXXX ) and that the bill had already been " printed '' and therefore I would still have to pay the full amount on the old repayment plan, but in XX/XX/XXXX everything would be taken care of. Not so, I got another notice of rejection, same old story. Again the bill had been " printed '' for XX/XX/XXXX, and I would have to pay the amount in full but the issue would be fixed by XX/XX/XXXX. I finally got one of the managers numbers so that I could hold someone accountable, but they do not return my calls, and when I inevitably speak to another manager, there is no record of my prior conversations. I feel unable to do anything because they always lose my information. It is starting to feel like it is on purpose just so they can keep charging me the current amount. I need help because I can not resolve this issue because it is just an endless cycle of incompetence.
Consumer complaint received 2017-07-26
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. (VA)

I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my transunion and XXXX Credit Reports. At least for Trans Union I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but XXXX and Trans Union are both illegally reporting this trash
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXXwas the last year of activity on this account. XXXX and Experian have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MI)

I have been advised that adverse information is contained in my LexisNexis report. I have submitted information to them multiple times to get a copy of my report and despite being advised it was being sent, I have not received it. I need to purchase a home and this is causing a hold up.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (DC)

XXXX XXXX XXXX, I requested my XXXX XXXX XXXX  account to be closed but the company refused. They kept my account open to keep assessing fees.
This is a travesty and this practice should not be allowed. I have been assessed hundreds of dollars in late fees, overdraft fees etc.
The account should have been closed in 2016.
amount XXXX
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CL Holdings LLC (NY)

XXXX XXXX XXXX Closed : XX/XX/XXXX - {$820.00} Closed Overview You 're currently using 118 % of your account 's limit. Balance {$820.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 11 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$820.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account closed by consumer Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. WHEN I CONTACTED XXXX XXXX THE REPRESENTATIVE TOLD ME TO REPORT IT TO THE AGENCY BEFORE IT WOULD BE REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2017-07-26
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. (OR)

My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XX/XX/XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The credit bureau is reporting a closed XXXX XXXX account incorrectly on my credit report. I have sent written disputes to this agency for months now and to this date, all I have received are stacks of generic letters claiming the information I am disputing has been " verified as reported. '' This is not true and I have the supporting documentation to prove it. The account is with XXXX XXXX XXXX and was charged off years ago. The account number is " XXXX '' and the credit bureau is reporting an incorrect past due amount of {$29000.00}! I no longer owe XXXX XXXX any money for this account and the balance reporting should be {$0.00} for it. XXXX XXXX issued a cancellation of debt in XX/XX/XXXX for this debt and the amount was discharged from my file. I no longer owe them any money so even if I tried to pay them, they would take any more from me because the debt was discharged. I also paid taxes on the discharged amount when all of this occurred. I am attaching the XXXX document I received from XXXX XXXX XXXX as a supporting document for the XX/XX/XXXX tax year. This is all the credit bureau needs from me to update this account properly. I have been sending disputes since XX/XX/XXXX, almost an entire year now. Why has it taken so long to update my account with the right information?
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I wrote a letter to this company to formally request a debt validation documents sent to me last XXXX XXXX, 2017. I have copies of the certified mail receipt so, they can not deny that there has not been any request made on that date. Up to now, I have n't received anything from this company which violates both FCRA and FDCPA. It has been more than 15 days since they got the verification/validation request and they did not even bother to respond. If this will still not be resolved, I am willing to get my legal counsel involved in legal actions.
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

About a month ago I submitted a complaint to the CFPB regarding XXXX XXXX and Navient, and their response was a stock answer which looked a lot like the annual disclosures that are sent. The original loan was opened in XX/XX/XXXX, I graduated in XX/XX/XXXX. 19 years later my balance is still roughly the same. I have called Navient many times to try and get to the bottom of this as there have been easily over 10 years that I have made payments, at one point the payments were over {$120.00} a month and that was well over a years worth of payments. Navient is now the servicer on XXXX XXXX loans which means I cant get any type of payment history or balance history from when the loan was with XXXX XXXX which was with them for over 10 years and I paid them on a monthly basis for years. I need a balance from day 1 in XX/XX/XXXX when I started college, with all payments and interest included but I have never been able to receive such documentation. I am a good record keeper but this is 20 years in the making. Like my previous complaint stated no way should my balance be what it is so I put the loan in forbearance because i am not paying anymore towards it until I have an accurate balance showing all payments and interest. Why is it so difficult to pull a previous payment history? Also how do I learn more about student loan forgiveness as I do have a XXXX. Submitting this thru the CFPB is a way of having a 3rd party monitor the correspondence between myself and XXXX XXXX and Navient as I have gotten no where trying to get answers on my own. The balance is currently around {$6700.00} which is about what the original balance was 20 years ago. Its just common sense that the balance should n't be anywhere near that.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

The issuing company, USAA, phoned me and told me the XXXX credit cards I had with them had been compromised & that they would have to issue new ones. OK, an inconvenience but not a problem. I have been a customer of USAA for 54 years. I asked if they could expedite shipment of at least XXXX of the cards since I do use them ( or have been able to use them 'til now ). They said OK, & in a couple of days ( after I had destroyed the old cards as directed ) XXXX new card arrived at my house. I followed instructions to activate it and the voice mail then told me it was ready to use. I later tried to make some small online purchases ( USAA has a record of them! ) with the new card and USAA bank refused to honor it ; the purchase was declined. I called USAA several times, talked to several of their stooges there, all of whom assured that the card was NOW correctly activated, bur when I try to use it the order was declined. I was finally able to place a small order using a credit card from another bank with no problem. In addition the second card that USAA was supposed to send me was returned to them by XXXX. USAA refused to tell me why. I am so far ahead on payments to both USAA credit cards that the minimum payment most of the time is XXXX, so I 'm not behind. I have USAA tracking numbers to prove it. Either their software is screwed up or, since I 'm an old guy, they 'd like to get rid of me after I 've given them 54 years of business, or their war hero CEO who does n't have the guts to put a street address instead of a PO box anywhere that I can find on the USAA website, so that I can mail him a personal, certified, return receipt requested, deliver to addressee only letter, has now hired XXXX, XXXX and XXXX for agents. I call them, they tell me the issue 's fixed, I try to use the card, and the purchase is turned down, and they will not tell me why the XXXX card has been returned to USAA, and at the very last call ( a day ago ) the latest agent ( a woman ) said I 'd have to call ahead of time and get permission from Mommy at USAA before I could use the card that I do have.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I paid off my title loan with Advance America/XXXX online on XXXX/XXXX/2016. XXXX XXXX debited my bank account for the final payoff amount on XXXX/XXXX/2016. I went to Advance America today, XXXX/XXXX/2016, to retrieve my title and was told that the payoff amount was still being processed, one week after it was paid. I was not given my vehicle title and was told that I had to wait until XXXX authorized the release of it. 

This is not right. This is not fair. My bank account was debited on XXXX/XXXX/2016 for the final payment and there 's absolutely no reason why I can not retrieve my vehicle title on XXXX/XXXX/2016. This is an unfair business practice and XXXX should be penalized as allowed.