davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute.

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law.

Furthermore, it's important to note that my personal information may have been affected by the Equifax data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately.

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Hello i been with wells fargo since XXXX. I noticed that wells fargo charged me too much interest on my credit card. I been struggling to pay off my credit card.I called the customer service and tried to see if they can lower my interest rate But they couldn't do nothing and this was on XXXX of XXXX when i called them. i needed to do something about this because i was drowning in wells fargo credit card debt. So i had no choice to get on a financial service that they provided me with 1 % interest rate and lower my monthly payments this was the beginning of XXXX XXXXi know i lost a lot of money trying to pay off this credit card for years.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have request a investigation of Fraudulent Account on my Equifax report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (GA)

The company picked up my car in XXXX XXXX and I got it back the following day. I paid what they said I had to and then i strated paying {$250.00} every 2 weeks to keep it up and not have such a big payment at once. Now they are saying Im past due again afte they have told me they dont allow a 10 day grace period. My question is how an Im behind if they dont allow the grace period? I am trying my best to pay for the car and I have kept up with the payments and they still want more money on top of the regular payment.
Consumer complaint received 2018-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

Hi, I'm in the loan forgiveness program and my student loans are managed through XXXX. I received a letter on XX/XX/2018 stating my new monthly payment was recalculated for {$450.00}, but on my billing statement it stated I owed : On XX/XX/2018- $ {$230.00} On XX/XX/2018- {$210.00} On XX/XX/2018- $ {$210.00} The XX/XX/2018 letter stated : " Since you are enrolled in Direct Debit, we will automatically extract your monthly payment amount totaling {$450.00}. 

On my billing statements it states : " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you requested. '' I never requested to pay an additional amount. I've been paying {$450.00}. 

I recently had my payments recalculated because I was having troubles making payments. I have all my billing statements and related letters. 

Thank you for your help and happy holidays! 
XXXX XXXX
Consumer complaint received 2022-12-08
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. (MO)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-11-21
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. (TX)

A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX Solutions, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (DC)

Complaint against XXXX XXXX XXXX, insured by NCUA. 

Offers products to Consumers, such as bank accounts, loans, mortgages, auto loans, interest bearing accounts, popular banking products. 
Checking accounts are opened and rated by.Credit Bureau worthiness and credit score values. Consumers who's.credit scores don't meet the threshold of credit values ; are offered an alternative account. 

" Checking Limited '' accounts are opened with restrictions, ultimately designed to entrap Consumer from benefits, fees, funds availability, normal convenience and ability to make final transactions ; which are normal to everyday commerce. 

A Checking Limited Accounts, are no different than " prepaid ATM/Debit cards '', no different than " cash only accounts '', designed to operate only with " teller services only ''. 

ATM Visa Debit is attached, but.does n't function necessarily as credit rather debit, depleting funds ; ..when funds may not be made available ; given a " hard 5 -- 7 day hold on all funds '' ... checks, and cash via ATM machine. 

Consumers operating with a Checking Limited Account are doomed to be able to access funds in a timely manner and access positive balances after deposit is made. ONLY CASH is available immediately and only cash ; ... is the only way to make deposit. 

This product should be able to mature or expiration dates should apply, after Consumer has established a short or long term banking history. 

At this point, the only way to upgrade to " Checking Unlimited '' ... .is by additional credit ratings and credit scores scanned periodically after period of time. 

This method of banking is below standards and is only causing hardships, additional fees and mismanagement of personal banking needs.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Had a XXXX  person living with me who I had known for a number of years thought I can trust him at his word when he said he is using my automobile to go to work and back and is only a few minutes 5 or 6 miles from my residence he lied to me and said he is working 16 to 20 hours a day and stays overnite on the job at times every couple days had put perhaps several dollars in gasoline in my automobile so he can drive to and from his job he said was only a few minutes away from my residence onXXXX on the last nite he came in over several hours after he said it was his last day of work when I threatened to call police and report him and my car missing he finally brought the car back I seldom if ever use the credit card nor travel more than 4 or 5 miles from my residence I have XXXX and am home or in doctors offices more often than not he brought the car back totally wrecked never made a police report left me with {$1100.00} in damage to the car he trashed the entire interior of the car and had XXXX XXXX XXXX and alcohol bottles scattered all over interior of my car my credit card insurance information auto registration and automobile manuals were scattered all over the floor and front seat of my car he was very intoxicated so I just went in my car and and took back my gas credit card automobile manual insurance information etc out of the car he had trashed he was too drunk to pay attention to me I told him he will leave or I will call the police and you can report the accident he called friends/family and they had took him away gave nobody permission to use my gas credit card and either keep the gas card in my car or in my house or in my wallet if I plan to drive or go anywhere found out when I got a letter from the florida dept of transportation that he used my car to run all over the state of florida without my previous knowledge my automobile XXXX florida plate number had over {$120.00} in toll booth violations since my car was being used to travel all over the state of florida without my consent or knowledge
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has violated my rights on XX/XX/2023 with the amount {$870.00}. 
15 U.S.C 1681 Section 602 A. State 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. 15 U.S.C 1692C 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.
Consumer complaint received 2023-11-21
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. (TX)

XXXX XXXX XXXX has violated my rights on XX/XX/2023 with the amount {$870.00}. 
15 U.S.C 1681 Section 602 A. State 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. 15 U.S.C 1692C 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.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Good afternoon, In XXXX or XXXX, I called Bank of America to pay off my card in full. I've had the account for many years with no delinquency whatsoever... the account ends in XXXX. 
I spoke to someone on the phone who gave me the amount to pay. I provided this person with my new mailing address, and let them know my phone number and email was unchanged. 
I mailed funds, matching the amount I was provided. The check cleared. 
Over sixty days later, I received a credit alert that BofA was reporting me XXXX days delinquent. Since I'd mailed the funds ( around {$4900.00} ), I'd received no mail from BofA, no text messages, no phone calls, and no emails. No communication whatsoever. 
I called BofA on XX/XX/2022, and was informed that there'd been around {$89.00} left on my account, and that considering late fees and penalties, I now owed over {$210.00}. I paid the full amount they requested ( despite never being notified ) and closed the account ( again ). However, the customer service representative ( XXXX XXXX told me that BofA would continue to report my credit delinquent, XXXX days.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

My credit report is showing a 30 day late payment for a car payment with Chase Auto Finance. However, it was the time the car was traded in at XXXX XXXX XXXX. This must have been a bank error to write off the check for the remaining balance. Now I am paying for XXXXXXXX XXXX repercussions.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (FL)

I was trying to refinance my mortgage and I was convinced by the agent from Loan depot that my loan would be approved and he promised my every thing would be Ok. after checking my credit and debt to income ratio, he said that it was a done deal. 
I again asked since I was concerned that what would happened if the appraisal did not come as he confirmed thru XXXX and he said that they have a lot of other programs that I can qualify. he also said that I can pay for an appraisal and if it comes low that my payment for the appraisal would be refunded. 
Everything was a lie. when the appraisal came at XXXX not the expected XXXX he simply said that nothing could be done. he never contacted me again and I wanted my appraisal fee refunded when he promised that it was going to be refunded. after I asked to speak to a manager he called me just to let me know that the only way I could get my refund is if I had refinance my mortgage with loan depot which he forgot to mention when he just said that my appraisal fee would be refunded. be careful with them since they do not tell you the whole truth and they will lie at everything. I am still waiting for one of their manager to contact me after 7 months still nothing.
Consumer complaint received 2018-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (NY)

I agreed and did pay {$180.00} Monthly to a company named Ameritech Financial who told me they dealt directly with who held my student loan at the time. Over a period of time my loan was bought and sold a few times and I had a hard time keeping track of the company who had it, the balance and other things. I noticed every time my loan was moved Ameritech would contact me an RE-establish a commitment for me to pay them an amount of money based on my monthly loan charges.They convinced me that they would get the loan company to lower the monthly rate and that they would make the payment on my account through their services. I checked my credit recently and see that I had negative activity on my account multiple times with the same vendor. I contacted the vendor who was the owner of the loan ( whos name I cant remember at this time ) and was told my account was not current/up to date and that AMERITECH had not been making any payments on my student loan Account for as long as i Have been paying them. The company told me that Ameritechs brand/style of business is to purposely let the account become delinquent. I then cancelled all electronic automatic debits that I agreed to let them take from my account monthly.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

The online bank system at US Bank was changed some time ago and does not work properly or in a way that is easy for a customer to use. They now use the system as a way to make a profit by suggesting consumers pay a fee of {$14.00} to pay a bill by a certain date. They constantly have a waiting circle when going from one place to another on the website. About a year ago, they did have a system that seemed to work based on ease of use to the consumer. Now I think they have changed it as a way to purposely confuse consumers into paying fees to use their system. I can not see past payments I have made to particular billers in the bill section like I could in their bill pay system a year ago.

I believe companies including banks are using their websites to make a profit for themselves rather than simply helping consumers pay their bills with ease. This needs to be stopped and should not be tolerated. The online bill pay system for US Bank is purposely made for their own advantage, not for the customers. Instead of fixing the online system, they constantly ask for surveys from their customers even when they must already know this bill pay system is not working for the customers benefit.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CNG HOLDINGS INC (AR)

my prospective employer will not move on with my hiring process bc of a debt on my background check from XXXX XXXX for {$840.00}. i have never gotten any products for this company and had no knowledge of them until today. I also found out that as of XX/XX/2023 they are in a XXXX millon dollar lawsuit over products they sold to consumers.
Consumer complaint received 2023-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (TX)

On XX/XX/XXXX Loan Star Title/Wellshire financial Services llc sent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pick up my car after they made a mistake on legal contract and had the wrong name XXXX XXXX before making a correction to the documents and contract they sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pick my vehicle up on XX/XX/XXXX I spoke with the president of Loan Star Title Wellshire financial Services llc / XXXX manager of store and XXXX the president and she acknowledged that they made an error on XXXX XXXX but on XXXX the XXXX I paid what Lone Star asked me to pay {$2200.00} in order to get my car along with a {$650.00} repo fee after I paid they sent me to a location where my car can be picked up meanwhile I had trouble when calling a rep getting my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she denied me access to my car I had to return back to Loan Star/ Wellshire financial Services llc and speak to a manager by the name of XXXX, she intervened and call them and inform them that they had to give me my car although they refuse to in the beginning nevertheless XXXX instructed me in order to get my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will have to give them an additional {$100.00} in addition to the {$650.00} I had paid them she informed me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will send me a text of what location to pick up my car and they required a money order form with receipt only and they have to keep the receipt of purchase, I disagree but because I was up under the stress, and my car so I abide ....

I believe Loan Star Wellshire financial Services llc/ have failed me as a consumer and they participated in an unfair trade practice, they also have cosigned with being a part of a deceptive trade Practice Act with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it's not fair to any and all Consumers, anytime that you purchase a money order it shouldn't be required that you turn in the money order along with your actual receipt of purchase to any recipient, But XXXX at Loan Star title /Wellshire financial Services llc informed me that will be the only way to get my car, Finally, my car was return with the drivers side head rest tv monitor damage with no remote control, and a XXXX XXXX XXXX XXXX  with a {$200.00} gift card inside also missing i awaiting on supervisor to get back with me, as of XX/XX/XXXX but no follow up ye and I think they have accountability and liable as a whole, unfair practices, for their errors on a legal contact, the repo fees, my losses and damages, in which I occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since the sent them out to pick my car up
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

My account with chase was restricted due to filing claims even though the claims i have filed have all been accurate and they have actually stated that they saw i was wronged in the letters ive received they told me my account was closed and that id receive my check within 7 buisness days but I just received a letter in the mail saying they barely restricted my account and have been giving me the run around my account holds XXXX $ and I am at risk of losing my car due to their run around
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (GA)

XXXX switch to a new company to pay your balance. I had issues logging in called them and they claimed they fix it so I could pay via online. I havent received a bill but maybe once and the change happened months ago. So unable to log in I cant pay and they sent me a random text message that had me logged in but the payment was denied so I figured i would wait until next month pay that whole balance told XXXX that during a chat online. The new bank called Comenity Bank has been calling nonstop at least 5 times a day for XXXX dollars they will get next month if its more XXXX pay more. Why do these companies think XXXX harassed my customers calling from different numbers is ok its not its just makes my anxiety and XXXX as a XXXX veteran so much worst
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

I received a " Notice of Collection Placement '' from EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ) for a XXXX XXXX account. The statement date is XX/XX/2018. The amount due is {$1100.00} ( {$1000.00} of principal and {$100.00} coll. costs ). 

I do not have XXXX XXXX account. I have never had a XXXX XXXX account. XXXX XXXX has never contacted me in regards to any debt I have with them. 

I contacted XXXX XXXX today ( XX/XX/2018 ) and they verbally confirmed that I do not have an account with them. They searched by name and account number, and found nothing.