davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (VA)

Hello, I am reaching out to receive assistance in regards to an urgent matter. On  XXXX / XXXX /  XXXX   @   XXXX   XXXX  . my vehicle was repossessed by  Honda Financial Services . I have had a rough patch in regards to payment and have clearly communicated this to  Honda  at different points in time. The events that led up to my financial woes are as follows : my husband left my child and I after  eight  years to fend for ourselves ; I was laid-off from my permanent position in downtown  XXXX  , D.C. ; and  I have been working temp positions here and there until I was finally employed by my current employer which just happened on  XXXX / XXXX /  XXXX  . The car being repossessed happened a day before I intended to make payment on the past due balance. I understand they kept calling, but I can not answer the calls at work, since again, this is a new position. Can yo u imagine the hurt of walking outside with my child to take him to school and head to work and my   XXXX   old tells me " Mommy o ur car is stolen! '' Can you  imagine  the embarrassment or not being able to show up to work due to my car being repossessed? I need my vehicle in order to get from point A to point B - to take my child to and from school, and for me to get to and from work. This is the first time I have had a repossession. It was ridiculous that when I went to pick up my belongings, they already had an agent the same day, less tha n five hours after picking up my vehicle, going through my belongings and bagging them up. Really-I could no t get an update from  Honda Financial Services in reg ards to the repossession until after  XXXX , but their repossession agent was able to go through my belongings in less than  five  hours from the time of the repossession taking place. When I ca lled Honda Financial Services t o get information, I was met with a " be patient, we still have to wait for information from the agent. '' Yet when it came to me making payment and asking for their patience due to my circumstances, I was met with hostility and urgency. I was not ducking or hiding from Honda-they were easily able to find my vehicle outside my apartment building. There was not trying to get over on them. I had ran into hard times, and as soon as I was starting to climb out of those hard times, I am pushed right back into the hole.
Consumer complaint received 2017-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MI)

I have filed  XXXX  previous complaints. I want to make you aware of all the financial institutions involved in a current military scam, it is adverselyaffecting thousands of people.  XXXX  #  XXXX  and  XXXX  #  XXXX . This  XXXX  is about  Wells Fargo . As in previous complaints money is put into accounts and the pulled out of people 's accounts that are victims of this scam. The funds that pay and pull payments from other credit card account are always  Wells Fargo. I a m pretty sure that someone that works  at Wells Fargo i s providing the scammers, supposed  XXXX   of U nited States  XXXX ,  XXXX   XXXX   XXXX ,. I have filed with numerous government agencies to try to prevent other people from falling prey and becoming victims of this military scam. I have account numbers for accounts here. I also have names account numbers that scammers have you deposit into for other banks. I am more than happy to provide you with this information at your request. I also have names of potential family members of scammer and associates that could possibly be employees of  Wells Fargo. The sca mmer lives in  XXXX  CA, not all that far away fro m Wells Fargo HQ.
Consumer complaint received 2017-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX   XXXX  sent me a letter dated  XX/XX/XXXX  asking me to pay a balance of {$140.00} that was a total surprise to me since I do not use their services at all.     I called the  XXXX   XXXX  the last week of   XXXX   XXXX   and spoke with  XXXX  from Customer Care. She advised that the bill was for purchasing 2 phones from them in   XXXX   XXXX   and returning them the same week. I explained to her that I returned the phones the same day I received them in the original boxes because the phones did not pick any  XXXX  signal in my house to be activated. I told her that I called them the week I returned the phones and made sure that I did not need to pay activation fees or restocking fees. Indeed  XXXX  refunded my credit card the activation fees that week.     After some time,  XXXX  told me that she was able to delete the activation fees of {$71.00} but was not able to delete the restocking fees. She told me to wait at leas t 72 bus iness hour for my account to update.     No further communication did I receive from  XXXX  until today. I received a debt collection notice from Convergent asking me to pay the total debt I owe to  XXXX  which is {$140.00}.     I am extremely disappointed and am unable to pay these fees. My credit report can not withstand a collection. I have no funds to hire a lawyer. I do not owe  XXXX  any debt and never received any services from them to pay for. The phones failed to activate because there is no  XXXX  signal where I live. I returned their phones intact immediately after speaking with them and documenting that I was not able to activate the new phones. I paid for their shipment back.      XXXX  Account Number :  XXXX  Convergent Account Number :  XXXX
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (MD)

When I rented a car with my    XXXX   American Express ( AMEX ) card, I wa s charged {$19.00} on  XXXX / XXXX /   2017  by  Amex   XXXX   XXXX   for   XXXX   XXXX  rental insurance. I had previously opted in to this premium car rental insurance on my  XXXX   XXXX  AMEX card, but had not added it to my new  XXXX  AMEX card. When I called AMEX to complain about this, they said that once this insurance is added to  XXXX  card, it is automatically added to any other AMEX cards I get. They refused to refund the {$19.00} fee. They also refused my request to opt-out of premium insurance being added to any ne w AMEX card I may ap ply for. I spoke to  XXXX   (  ID  XXXX   ) a nd supervisor  XXXX   (  ID  XXXX   ) at Amex   XXXX   XXXX  in Oklahoma.
Consumer complaint received 2017-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

We are co-owners who refinanced the mortgage on our  XXXX  home in  XXXX  with Nationstar Mortgage. We were very specific in explaining that we wanted to pay closing costs in cash rather than have it financed. Over the course of discussions only the first draft of the closing documents indicated we would use cash to close. Despite our insistence, in the end we went to closing without being given the opportunity to pay cash for closing. Also, we paid our property taxes for the first quarter and the next installment was not due until  XXXX   XXXX  but it too was added to closing costs ( {$1100.00}  ).      Since closin g, Nationstar has sent us a check in the amount of {$110.00} ( payoff overages ) and more recently a letter stating that we were overcharged for certain closing costs in  connection with the closing of your loan and we are refunding this amount to you through a principal reduction. The amount is {$610.00}. The difference as per the letter is reflected in  C   ash to Close and Lender Credit via the new Disclosure.
We are concerned about how our refinance was handled, the process by which the differences occurred and whether our property tax had to be made part of this closing.
We request a full review of the closing documents/disclosure and would like to know if Nationstar was within their rights to refuse to allow us to pay closing costs up front. These charges were rolled into the loan creating the need for a gap note and mortage. We only had a certain period until the closing and if we didnt close by that date then a higher interest rate would be applied.
Consumer complaint received 2017-05-13
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: EQUIFAX, INC. (TX)

To whom  it may concern, I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries on my Equifax report,  XXXX  hard inquiries on my   XXXX    report and  XXXX  hard inquiries on my   XXXX   report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-13
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. (IL)

XXXX   XXXX ,  XXXX  CFPB :  XXXX  denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my  XXXX   Visa Platinum  Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX      alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX     Visa Platinum  Credit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX    to ac cept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX   Visa  Platinum Cred it Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Consumer complaint received 2017-05-13
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. (IL)

XXXX   XXXX ,  XXXX  CFPB : J  XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) y ears.   XXXX    claims that I owe it over {$140.00} on my   XXXX    Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance  on my   XXXX   XXXX       XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.   XXXX    thr eatened to take away my    XXXX   XXXX   and t he personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that  XXXX  remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX   Vis  a Platinum Credit  Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX   to accept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Consumer complaint received 2017-05-13
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)

I refinanced a vehicle wi th    XXXX   XXXX   XXXX   in  XXXX , GA  in    XX/XX/XXXX  while  resident of the state of Maryland. The refinance document was executed in th e State o  f Maryland.       XXXX  repossessed the vehicle i n  XX/XX/XXXX  of t he same year in the  Sate of   Maryland.  Due to a single late payment.     They never gave me access to the vehicle to recover personal items from the vehicle. I had a computer with multiple monitors, prescription glasses and clothes in the vehicle.      XXXX  never sent me a discretionary notice, which is required in the  state of   Maryland to rec over repossession fees.      XXXX  never sent me a 5 day notice of my right to redeem which is required by Maryla nd State Law. Whic h prevents them from collecting any type of deficiency balance in the  State o  f Maryland.       XXXX  never advised me of the location, date or time of the public auction that is required for them to collect any type of deficiency balance in th e State of G eorgia.      XXXX  has reported a deficiency balance since   XX/XX/XXXX  to my credit report showing that I owe them {$5600.00}.      They continue to update this reporting with the credit bureaus. Last update wa s  XX/XX/XXXX .      The fail to report a date of last activity to the credit reporting agencies.     Any alleged debt to     XXXX   XXXX   XXXX   would not be enforceable in the State of Maryland or in the State of Georgia due to them not following applicable state laws.      XXXX  continues to participate in an illegal scheme to poison my credit report by stating that I owe them a non legitimate debt.        XXXX   XXXX   li belous acts have caused me to pay interest rates higher than I should on a recent car loan or to be denied credit.     I have initiated disputes with the credit bureaus and directly with  XXXX   XXXX   XXXX  and they continue to verify that I owe them a valid debt.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (CA)

I sent my letters off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, all of the information on these accounts is still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-13
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. (CT)

submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything.   XXXX   has removed this because they were n't able to verify any information. There is a copy of my  1st com plaint listed below.               whom it  may  concern, I mailed several letters of dispute last one being certified on  XXXX   XXXX   XXXX  in regards how    XXXX   XXXX   is  reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 says late and being over 100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violatio n of 1681 ( a ) ( 4 ). Under  section  611 ( 5 ) ( A )  of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2017-05-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I have a check from  XXXX ,  a Wells Fargo business customer. The check was drawn on a We  lls Fargo  checking account in the amount of {$2000.00}. It represented payment out of  my  XXXX  ac count for reimbursement of   XXXX   medical expenses.     The teller a nd manager at the Wells Fargo bran ch at  XXXX   XXXX   XXXX  in  XXXX  Florida insisted the company 's policy is to charge {$7.00} to cash a check drawn on  Wells Fargo.   This was after they required that I put my fingerprint on the cover of the check in addition to the  XXXX  forms of identification.     So not only did they treat me like a common criminal being booked at a police station with the requirement of putting my finger in ink and then pasting my fingerprint on the face of a check but they also wanted to charge me an excessive fee to recover the funds from  a Wells Fargo a ccount of our  XXXX  medical administration firm.
Consumer complaint received 2017-05-13
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: EQUIFAX, INC. (FL)

On Tuesday  XXXX / XXXX /  XXXX   I spoke to  XXXX   XXXX  about a payment postpone ment ( piggyback ) a nd they agreed to do it. I asked several times about the effect it would have on my credit score. The consultant assured me that my credit score would not be harmed in any way. Today  XXXX / XXXX /  XXXX   I checked my credit score and the company has indeed gone back on their word and reported the payment as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  XXXX   XXXX .
Consumer complaint received 2017-05-13
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: ALLY FINANCIAL INC. (FL)

On Tuesday     X/X/17  I spoke to   Ally Financial about a payment postponement ( piggyback ) and   they agreed to   do it. I asked several times about the effect it would have on m y credit score. The consultant assured me that my credit score would not  be harmed in any way. To day   X/XX/17  I  checked my credit score and the company has indeed gone back on their word and reported the payme nt as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely of  Ally Financial .
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I currently have an outstanding credit card balance with Bank of America based on one of their special offers where you have a certain amount of time to pay off the balance with out being charged interest, I have until  XXXX   XXXX  to pay the balance in full. I was surprised when I received my  XXXX   XXXX  statement to see I had been charged a minimum interest fee of {$1.00}.     When I contacted BOA the customer service representative stated I was charged interest based on their annual fee of {$75.00} because the annual fee is added to my account as a purchase, he also stated since the annual fee was charged on  XXXX   XXXX   XXXX  and I did n't make a payment until  XXXX   XXXX   XXXX  I was charged the minimum interest and even though I pointed out that I made a payment on  XXXX   XXXX   XXXX  he would not credit my account the {$1.00}. I also argued this is not ethical as they are charging me a fee against a fee.