davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (PA)

This is the second complaint I am filing because the information the company provided is incorrect. They stated that they sent a letter saying they would repo the car in XXXX but we called and set up payments and was told there would be no action taken as long as we are actively making some sort of payments which we were. He also informed my wife to have me call in to request deferment on XX/XX/XXXX. At which I called on XX/XX/XXXX and spoke with a woman who barely spoke XXXX and she denied me and said the account says we aren't allowed to defer the loan. She never even asked me any of the pre deferment questions. I explained and so did my wife several times that we have more than enough income coming in to pay the loan payments but playing catch up with the back balance from the hardships we went through is making things very difficult. We have actively been bringing all of our bills current. The only company that has not been willing to work with us is wells Fargo. I'm sure it has a lot to do with our van being worth more now than when we bought it. I want this to actually be looked into. This company is illegally reposing and setting people up for failure.
Consumer complaint received 2017-05-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BB&T CORPORATION (NY)

I leased a  XXXX   XXXX   XXXX  fro m hann financial of N ew Jersey the lease was for 39 months, I decided to give the car back with 8 months left on the lease because my wife and I wanted to get the new  XXXX   XXXX   XXXX  in doing so we made the last 8 payments and gave the car back with only  XXXX  miles on it the car was in very good condition with the exception of a few scratches on the bumper and I believe I small Nickel sized dent in one of the doors, so we went to  XXXX   XXXX   XXXX  in new jersey and leased the new  XXXX  and asked if they would  Handel  the turning in of the  XXXX , and they agreed like I say I satistified the lease left the car with  XXXX   XXXX , we use d hann financial agai n for the new lease on the  XXXX   XXXX  we made another lease with hann for another 39 months for  XXXX  per month, would you not say at this point in time we are loyal and a good customer with hann, well about  one  month after turning in the  XXXX  we get a bill in the mail saying we owe  hann   XXXX  in damages also they say the never got the two sets of keys to the car, I left the keys with the salesman that got the car from I trusted they were in good hands what was I supposed to do babysit the car and the keys until it was picked up, so after getting this letter I called hann and asked them how is this possible that a loyal customer like myself can be charged for such petty noncence and that I had no idea where the keys were I left them with the dealership, they did not want to here about it, they wanted  XXXX  that was the bottom line, I told them your not getting a penny from me and hung up on them, how do I get sued from a company for leasing two cars spending in total almost  XXXX  in  five  years, who does this, they got a judgment against me and froze my checking account for  XXXX  leaving me with no money to pay my bills, I had to pay them  XXXX . To get out of this mess, please I hope you can understand my frustration and talk to these people and find out why they would do such a thing a loyal customer that until this day is still doing business with them in the tune of  XXXX  per month for  39  more months they sue me, come on I find this totally absurd, where is the proof they even fixed or made repairs to this car I have none how do we know they did not resell that car with out even putting a dime into it, even so again who does this, please help me
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$9600.00} XXXX XXXX XXXX {$4000.00} XXXX  XXXX  XXXX XXXX XXXX {$3600.00} XXXX - XXXX {$0.00} XXXX - XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

I recently received my annual escrow account disclosure statement. The company claims that there will be a shortfall this past year and is attempting to add to my monthly payment by approximately {$500.00} per month.   The calculation is fro m  XX/XX/XXXX  through  XX/XX/XXXX . It shows a total of {$20000.00} being paid towards my real estate taxes. The  payments are shown to be as follows  :  XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX  As can be s een, 6 quar terly payments were calculated into 12 months. My actual taxes are  XXXX  per year and not the more t han 20,000 that t hey are claiming.     Even if, as they have done, paid the second quarter of  XX/XX/XXXX  late ( in  XX/XX/XXXX   )  and the second quarter of  XX/XX/XXXX  early ( in  XX/XX/XXXX   ),  it would only b e 5 payment s and not the  6 th at they are claiming.   Attached my tax statement showing that I am paid up through the second quarter of  XX/XX/XXXX  with o nly 5 payments, not 6 as has been claimed.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX, I received an email said I could receive {$15.00} e-gift card after make XXXX bill payments. So far I've made XXXX bill payments, XXXX in XXXX and XXXX in XXXX, but didn't receive any gift card. I contacted customer many times, but they claimed this is an offer from XXXX, when I didn't even have an account with them.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

On XX/XX//23 I provided Citi with a XXXX payment to close out the existing balance on my card. The payment was provided by XXXX XXXX and received by Citi but balance was not adjusted and payment not recognized by Citi for over two and a half weeks following payment. I called multiple times and was told by customer service a variety of reasons why the account was not reconciled. Citi attempted a third party three way call with someone they claimed was a XXXX XXXX rep at which time personal fiscal information was requested. I terminated the call and contacted XXXX XXXX who advised pulling back my payment. This was done. I called Citi and attempted to work with a customer service agent to ascertain what amount of payment would not initiate the same behavior on their part. I was advised to make XXXX payment which would clear my account immediately. I did so on XX/XX/XXXX and now have been told that the payment would not clear and I would need to wait indefinitely for Citi to recognize. This violates the T & C of the card for timely recognition of payment and account balance adjustment.
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Olympus Lending LLC (UT)

I leased this car for two years and was making the payment for a year and 4 months. Due to unseen circumstances I was unable to make my payments in XX/XX/2021 until the time of the repo in XXXX. I was struggling with XXXX XXXX XXXX XXXX  and was in a very bad place and even ended up homeless for a few weeks. I understand I defaulted on my lease and the repossession was justified. For the last 2.5 years Ive waited and waited for this to hit my credit report and I wasnt ever able to see it until I paid for another site to view it. A few months after the repo I reached out to them via phone call, asked for the final bill on what I owed. They told me they didnt have it yet and would reach back out. I never heard anything from them again and decided to call a few months later, probably about 5 months after my repossession. They told me they had fixed some issues with the car and had sold the vehicle. I havent ever received any information from that day forward. They asked if I could settle that day, and instead of the XXXX and the change offered around XXXX to settle the account which I truly just couldnt do. From there I never received any phone calls, letters, emails, not a word from the account and Im clearly adult enough to know it doesnt just go away. I havent had the car in my possession for a year and a half but theyre still reporting to credit bureaus that theyre late payments instead of a full account I have to pay in full. Im not sure if this is legal, or normal if you get a repossession on a lease. But to my understanding when I called, they would send me a bill for the remaining balance I owed to the company and not continue to report late payments instead?
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

Original creditor XXXX XXXX XXXX FIRSTPOINT COLL RESOURCES INC Account Number ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX I canceled this insurance policy when my car was repossessed I wasnt even given a refund for the remainder of the time of the policy Then the insurance company sold my personal information to a third party debt collector without my knowledge or consent I didnt even know I was still being charged after I called and canceled their services because I no longer had a car to insure I understand that this is identity theft and fraud because its illegal to sell someones personal information after canceling the service and selling the person information of an ex client to someone else intentionally for profit at the expense of an client Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES XXXX, XXXX  AS A CIVILIAN FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX XXXX  WAS PAID PAID AS A SETTLEMENT DONE THROUGH XXXX XXXX XXXX AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!
Consumer complaint received 2023-01-08
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. (PA)

In XX/XX/2022 I receiced my consumer report now I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items asa soon as possible
Consumer complaint received 2015-04-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (OK)

On XXXX XXXX, 2015 I initiated an online payday loan with Mobiloans LLC. Initial spoke to a representative and was assured they were in compliance with Oklahoma State Law and Federal Regulations. After never receiving proper loan document and further investigation, I am be charged fees in excess of allowable interest ( in excess 600 % ) - They have also changed my payment terms to from monthly to bi-monthly by means of ACH without my consent. If you atempt to resolve via telephone - the representative becomes beligerant and threat of vioaltions regarding siesure of bank accounts or imprisonment. These folks claim XXXX, however, finding your investgation against them, they are not excused from federal regualtion.
Consumer complaint received 2021-03-08
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX reportb. I have accounts with XXXX XXXX that's was paid off yet it's reporting a balance Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
Inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX and XXXX its listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX Hard inquries/promotional I HAVE NEVER DONE BUSINESS WITH THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Between XX/XX/2016 and XX/XX/2016, I was a victim of identity theft. Someone had stolen my purse with all my personal belongings in it and started opening all kinds of credit card accounts ( 4 in total ) in my name they even went as far as changing my address through the postal service I ended up finding out when they tried to open a XXXX XXXX account, but didn't know I already had one and XXXX XXXX contacted me and I contacted the police about the identity theft
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor {$1100.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX {$550.00} Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions, I break it down to understand like this, consumer ( indvidualu ally person ( company ) transaction ( payment history ) experiences ( utilization ) so if You have ion late payments on credit report go look up this ng law and use all the words marked in st ) parentheses, include this in your dispute letter and get em removed! 

XXXX XXXX XXXX Please remove late payment
Consumer complaint received 2021-03-08
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: JPMORGAN CHASE & CO. (NE)

i called in fraud charge {$30.00} XXXX and they credited me in XXXX now in XX/XX/2021 they recharge my statement {$30.00} for fraud charge i did not make, i want it credited i called 6 times every day and told them to call me and they never called me to fix this problem. i will not pay a fraud charge of {$30.00}. only thing i got was fraud dept needs to handle it and every time i get on hold for 30 mins and then they are closed at XXXX to talk to someone and they wont call me back when i say call me to fix this. this pers hermalinda miemaszyk XXXX ext # XXXX is the responsible party for putting this on my card.
Consumer complaint received 2023-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (CO)

I applied for an easy set pay 4 EQUAL payments. I didnt use all my limit just XXXX. States my first payment has to be XXXX. I tried to get this fixed they state I have to make 1 payment then it will split equally into my next 3 months. Thats false advertising I reached out 4 times and havent been able to get this fixed
Consumer complaint received 2023-02-07
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. (KY)

I keep asking you to remove this suspicious data, so please do. Because I don't think you checked these things, I'm going to sue you for breaking Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I mentioned this in my last COMPLAINT #, but I'm including it again. Please do not ignore my request to correct these false entries in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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. (NV)

In regards to complaint number XXXX filed with Consumer financial protection bureau Transunion XXXX XXXX XXXX XX/XX/2022 : RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED This is a LIE and UNTRUE! Transunion did not verify this bankruptcy with the bankruptcy court. I have attached document from bankruptcy court stating they do not report nor verify information with the credit reporting agencies.

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Transunion has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.