davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: STERLING JEWELERS, INC. (NH)

Received a call from XXXX-XXXX-XXXX on X/X/17. Voicemail asked me to return a call immediately to " prevent further action being taken. '' The voicemail did not state who was making the call or from which business. The information in the voicemail to contact was XXXX-XXXX-XXXX with a reference number of XXXX upon calling back the automated system identifies the business as XXXX. When speaking to representative number 1 I was informed of a debt that had been paid as agreed and account closed 7 years ago. Representative demanded payment over the phone immediately and said " good luck '' before hanging up when I informed her that I did not owe nor had means to make payment at this time. I called a second time, spoke to representative number 2. I requested written, mailed verification of this debt. The rep became hostile and said he can email only and raised his voice when I told him I had never received anything in the mail regarding this debt and stated again that I do not owe this and would like written verification. The rep hung up on me. Called a third time, asking to speak to a supervisor. This rep informed me she is a supervisor. Upon providing the reference number and stating that the previous 2 reps as well as her had not informed me they were debt collectors violating the FCRA she hung up. After placing a fourth call, not providing the reference number, I asked for the business name and contact information and stated that I would like to mail a check when for my account and the woman told me they do not take mailed payment and when I again requested the address she hung up. I believe this to be a scam or just completely illegal, unethical debt collection practice.
Consumer complaint received 2017-09-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

Advance America Number XXXX made 2 ach deductions on my checking account using check number XXXX dated XX/XX/XXXX in the amount of XXXX and they made another attempt on XX/XX/XXXX in the amount of XXXX. 

Also on XX/XX/XXXX I received a call from the manager XXXX about coming in to pay on this same check that they made 2 attempts on or he said that he was going to deposit the check that is in his office. I said I do n't have the money because I wo n't be receiving my payroll on the XXXX and because of the holiday, I will not get my payroll until the XXXX of XXXX. 

I went in to the office and paid the interest of XXXX ( which I incurred another fee of XXXX plus XXXX. ) Because of what is happening with Advance America, I am going to my bank and will have to close my account to prevent them from taking the funds out of my office, and if funds are not available, I will get a charge of {$37.00} which they have caused. 

I am not going to conduct business with Advance America anymore. 

I saw on my bank statement that the attempts were made, not successful, thus causing my to have nsf fees.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XX/XX/XXXX  The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to BMW Financial XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (IL)

on XX/XX/17 received a letter from the company stating I owe them {$16000.00} I feel I do n't because the car was too much from the beginning they did n't fix the car like they problem I told them to come and get the car I was not able to afford the car I was not working I try to go back to that dealer ship they was no later there.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

I turned in my XXXX XXXX XXXX 3 months early, XX/XX/XXXX, due to the diesel emissions scandal. In addition this new lease vehicle had numerous mechanical problems including parking break failure. VW has let me down. 
In XX/XX/XXXX I paid off the entire lease in advance. I had also overpaid an approximate amount of {$850.00}. I have had a {$0.00} balance and surplus since that time. The surplus amount was refunded to me earlier this year. My balance on recorded continued to be {$0.00} through XX/XX/XXXX. 

When I moved to cancel the lease, the XXXX XXXX XXXX made it very clear that any lease payment refunds are only handled by VW Credit -- the 2 operate separately. I did n't receive a refund check from VW Credit and called on XX/XX/XXXX inquiring about the lease overpayment refund of {$1000.00}. I was told it takes up to 21 days to process. It 's XX/XX/XXXX and still no check. My VW Credit account online now says I must call to see any balance. I called XXXX and was told they did n't know anything about my balance and to call XXXX, then i was told to call XXXX and then XXXX ext XXXX. I was also told the XXXX XXXX XXXX handles this. No one knows what happened to my overpayment. Each person I 've spoken to has told me a different story. It 's infuriating. I log in to my VW credit account and all records confirming this payment history and overpayment have been removed by VW. My original lease ended XX/XX/XXXX so I am due the overpayment of {$1000.00} from XX/XX/XXXX - XX/XX/XXXX. Please help me.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XXXX 2017. The payment was due XX/XX/17 and was paid by me on XX/XX/17, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. I was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Loan paid off in full on XX/XX/year>. Loan had been paid on the XXXX of every month. At payoff, I was assured there would be no negative credit reporting. 

The account is now reported as 30 days late. This is false information.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

On XXXX I had a hard imquiry post to Experian, XXXX  and Experian from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and Experian. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for 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 does not belong on my credit report. I have never, ever lived there. 

Also regarding TransUnion, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.
Consumer complaint received 2017-11-06
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

To Whom It May Concern : I have made several attempts to get the inaccurate information that is reporting on my credit report removed. I have provided the company and the bureau with all the information they requested. I have not heard from either party. I would appreciate if your company can help me because I truly feel like my rights has been violated by both companies. They are reporting lates on my credit file and that is totally untrue. I have never been late with this company. Please help me correct this matter because it is causing havoc on my life.
Consumer complaint received 2017-11-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Experian deliberately discourages customers ability to submit online submission of request of correction in credit report errors by deliberately blocking access by issuing fake security questions and blacking online access. 

Experian has repeatedly blocked the last three attempts I have made to submit correction request via there online site. They ask obscure id verification questions which I still answer correctly and stull black access. They demand I send sensitive copies of personal id via mail which I will not do. XXXX and XXXX have no problems verifying my ID, this is a deliberate ploy by Experian to black access and is fraudulent.
Consumer complaint received 2018-05-18
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. (CA)

XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have opted out through the federal program of receiving credit card advertisements and applications. However, I continue to receive them from Capital One. Since opting out I have received two separate applications for a Capital One credit card. My understanding is that there is a sizable fine for each violation of my opt out I would like to pursue them receiving this fine if such a fine exists.
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (TX)

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

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

On XX/XX/2017 I deposited a check into my account using US Bank ATM. The check amount was {$2500.00} but the ATM machine read it as {$3500.00}. The about written in words was clearly {$2500.00}. So I deposited the check for {$2500.00}. 4 days later on Saturday I received a letter in the mail from the bank saying that they reversed the whole deposit and none of the funds are available in my account. From what I understand if there is a dispute the amount written out in words should be controlling. However US Bank chose to make {$0.00} available to me. And the first time I found out about it was on Saturday when the bank was closed. I called customer service but the lady on the phone said there is nothing she can do and that she ca n't even see what was done and that I need to go back to the bank on Monday and try to present the check again. I need to have the funds in my account asap and there was no reason for the bank to deny making funds available to me.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: The Law Offices of Matthew R. Wildermuth (IL)

Entered into a agreement for legal services with Matthew R. Wildermuth to modify a mortgage agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX Received notice of foreclosure sale set for XXXX XXXX, XXXX from XXXX XXXX XXXX. 

Received termination of representation for mortgage loan restructure on XXXX XXXX, XXXX
Consumer complaint received 2017-11-05
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. (AZ)

I contacted Experian and advised them that I had identity theft. I filed a police report and Experian is stating they ca n't block it from my credit report because I did it online. I went to the XXXX police department and they said the police report is valid. I stayed on the phone with experian for XXXX hours and spoke with XXXX XXXX XXXX XXXX and XXXX. Everyone kept putting me on hold and never resolved the issue XXXX told me that he could n't block any of the fraudulent accounts because the report has been done online and the police said it 's not true. XXXX HUNG UP ON ME TWICE. I am a victim of Identity theft and this is depressing that experian wo n't help and they are reporting fraudulent information.
Consumer complaint received 2017-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

1. I was laid off from my job on XXXX/XXXX/XXXX. 
2. In good faith I contacted my mortgage company ( Wells Fargo ) before all other creditors to request help and make payment arrangements. 
3. I was advised to begin 6-month payment  assistance/forbearance program followed by loan modification program 4. I got a new job on XXXX/XXXX/XXXX and continued making payments on time. Below is our payment history between XXXX XXXX and XXXX XXXX : Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX amount paid {$1600.00} ( prior auto payment amount ) Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} ( Started trial payments early ) Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} After successfully completing payment assistance program, we requested to convert to loan modification program. However, we were also in the process of selling our home. We advised Wells Fargo that the home would be sold within 30 days and the loan paid off. Our understanding, based on conversation with Home Preservation Specialists, was that any unpaid mortgage payments would be added to the back end of the modified loan. Since we were making payments every month and was approved for the loan modification, we did not expect the default status reported to credit bureaus by Wells Fargo and the negative impact on our attempt to obtain new home loan. We believe this is unfair. See attachments for background and further details.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Purchased patio furniture from XXXX XXXX, XXXX XXXX, NY, total amount {$1400.00} on XXXX/XXXX/XXXX. This was charged on a Comenity Bank XXXX XXXX. In addition to the cost of the items I was required to pay an additional {$150.00} for delivery. When I set up the items on XXXX/XXXX/XXXX the chairs and 2 days later the swing set, I noticed the items were defective- the chairs fell apart and the swing set 's material seams were not sewn strong enough and separated. 

I contacted XXXX XXXX and spoke to a fellow named XXXX who claimed he was the store XXXX. He told me I was required to return the defective items to the store. I paid for delivery ; I was expecting them to pick up the items. 

I explained that the sheer size of the chairs and swing set precluded my ability to return them. After all, I paid {$150.00} to have them delivered. He said there was nothing that he could do. I had to return the defective material to the store. 

I then contacted Comenity Bank by phone and explained my situation. They sent out a complaint form dated XXXX/XXXX/XXXX to be completed and returned. I did so on XXXX/XXXX/XXXX and filled in all required information. 

I did not hear anything further until I received a letter from the bank dated XXXX/XXXX/XXXX. I was asked to complete the identical request that was made in XXXX. Again I complied with that request. I then received another request from a letter dated XXXX XXXX, XXXX. Again I complied. I then received another letter dated XXXX/XXXX/XXXX requesting the same information.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SRA Associates, Inc. (NJ)

XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. SRA stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
Consumer complaint received 2017-11-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

Bayview Loan provided a response to a complaint filed with Cfpb which contained inaccurate information : Stated Debt Validation was provided, but only provided THE EXACT SAME, original debt letter with a different date. Bayview then proceeded to immediately collect on the debt and provide Cfpb with a letter stating they addressed the issue. I have provided both letters, originally dated XX/XX/2017, and response to my request for validation, XX/XX/2017. You will notice both letters are the same. 

Bayview Loan failed to credit two payments as the date received, instead of misrepresenting the received date. I am providing proof of receipt of both XX/XX/XXXX and XX/XX/XXXX payments.