davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed via Experian and are still reflecting upon my credit report, stating Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) The accounts to be removed are as follows ; XXXX XXXX XXXX XXXX ; XXXX XXXX
Consumer complaint received 2018-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Heritage Financial Group, Inc. (IN)

On XXXX XXXX I signed to a 42 month loan with Heritage acceptance corporation out of XXXX Indiana. I signed to 21.70 % apr, a 42 month loan, after 2 years and 6 months of payments I've added my monthly payment of $ XXXX. Why has heritage added another 8 months of payments to my loan without my Permission and without my knowing? I've asked them since XX/XX/2017 to send an itemized statement, I've asked XXXX, XXXX, and XXXX. I've still not received a statement of any kind I just get told if I don't pay the monthly amount they'll repo the vehicle. Now with them adding almost another {$2000.00} on my loan at this rate they could have anyone pay {$500000.00} for an XXXX XXXX with XXXX miles! Total violation of my rights and truly a breach of contract! But what can I do, they've got the title so i guess they can add whatever to your loan and you better pay it on top of the high interest rate or you'll just be out {$8700.00}!!!! 
Since the beginning of the loan i was placed on biweekly payments when I showed them I receive social security supplemental income payable the first of every month so they've had me paying biweekly and keep saying I'm behind although I never have received a statement in 30 months of a XXXX  month loan! I can not believe this place is allowed to still do loans!
Consumer complaint received 2022-10-02
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 act XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC (UT)

Loan pal lost my payment! I have tried to resolve this problrm since XXXX. 
This is a new loan they were paid via my banks bill pay and cashed by loanpal. Loanpal miss applied my first 3 payments. The first 2 were finally found and applied to my account. The 3rd bill pay check has not been found but has been cashed by them. I have spoke with their collections department numerous times. Faxed in coppies of the canceled check that they cashed. My bank has faxed in coppies of the canceled check and I also emailed them to my loan officer XXXX XXXX. To this day The funds have not been returned to my bank I started paying via their online service in XXXX and have not had any problem since then. It is XXXX and I still receive weekly calls that they have not received payment and I am collecting late fees from this fiasco!
Consumer complaint received 2020-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I want to report deceptive marketing to current customers by Bank of America I signed up for an offer Bank of America advertised on their website " 5 % Interest Rate Booster on a Savings account. After two months of seeing minimal interest on my account, I called them. It turns out the " 5 % Interest Rate Boost '' is 5 % of the 1 % interest rate I would normally get. So, 1 % interest gets boosted '' to 1.05 %, not 6 %. 

See the screen images showing the offer, numbered to indicate the order in which one has to click to find the explanation. How many will actually do this? The promotion seemed very straightforward to me. I did not click until I wasn't reaping the 6 % interest I thought I was entitled to. It is very misleading. I work in marketing, and this is deceptive, and misleading at the very least. Shame on Bank of America. 

If you'd like more information please contact me. Thank you for investigating this.
Consumer complaint received 2023-06-12
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: HYUNDAI CAPITAL AMERICA (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2020-12-28
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I reviewed my ChexSystems report and found the following inquiry that was not authorized by me : XXXX XX/XX/2020. I did not apply for any accounts with this bank and they did not have my authorization to obtain my report.
Consumer complaint received 2022-02-25
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: BMO Bank, N.A. (IL)

Hello, I ordered a new XXXX XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from BMO Harris Bank on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a XXXX representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that XXXX would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

XXXX does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from XXXX that a new lien was added to my credit report. This was the BMO Harris Bank loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that XXXX 's systems showed the loan contract as voided, that he followed up with XXXX 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a BMO Harris Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to XXXX to confirm that the loan was voided/cancelled and that XXXX kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with XXXX and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting XXXX 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue. 

I attach the communication I have had with XXXX for the past few months.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (LA)

So I was sent sent to collections by Ally financial they sent my car loan to XXXX services. Once I got with them I set up a 24 month payment plan for {$770.00} per month. I have been paying on time each month until XXXX of this year I did not see the payment be directly withdrew withdrawn out of my account I called XXXX services to see what was going on with the payment and they said that Ally financial had called my loan and I asked him where did that stand with you with me and them they informed me that I was no longer customer and everything was closed and the last payment that was for XXXX and that I would have to call Ally financial upon calling Ally financial they told me that I was another credit who I did not know of and I will have to call them once I called third-party credit company they informed me that my account was on hold and I and they do not know what the next processes are I have XXXX more months to pay this loan totaling XXXX I was supposed to be done paying this off on XX/XX/year> but now the new creditor says that my new loan amount is going to be for {$13000.00} that seems absurd to me because I have been faithfully paying it to one creditor and time was not up it is unfair that they took the loan solar to someone else and now I am just left to pay more money than I was supposed to I feel is though I should be able to keep the same loan it continue to pay out this car so that I can get over this nightmare I recently lost my job which is why I was not able to pay the original bank I just want for it to be over so that I can pay out the car and put this behind me
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

The IRS filed a garnishment against my checking account with Fifth Third Bank on XX/XX/XXXX. I contacted the IRS on XX/XX/XXXX and informed them that it was illegal to garnish a XXXX payment according to Federal and State law. They acknowledged the error and released the freeze and faxed the release notice to the bank the same day. On XX/XX/XXXX Fifth Third bank charged me a processing fee for the garnishment and said that the IRS did it. After contacting the IRS again I was told by Agent XXXX that the IRS has nothing to do with the charge and does not charge a bank any processing fee. 

I contacted the bank again and asked the bank to remove the charge. XXXX ( Customer service manager ) said it was impossible to remove the charge because no one knew how to remove it and " we can charge this because the IRS charged you. " XXXX agreed that a XXXX payment can not be charged and referred me to the local branch to see if they could remove it. 

I contacted Ms. XXXX XXXX ( Customer service manager ) at the local branch. She contacted their customer service and asked to have the charge removed. Ms. XXXX was told after working on this for 2 days to tell me that they could only remove the charge if " The IRS sends them a letter stating they made a mistake and instructs them to remove the charge. '' This makes a resolution impossible. If the IRS is not allowed to place a illegal action on the account, the bank should not be allowed to profit from it. This bank should be investigated for fraud and fined for all actions like this discovered. If they are doing this to all of their customers they are robbing them.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Please be advised that on the date of XX/XX/XXXX I was at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when I received a telephone call from ; XXXX XXXX, employee letting me know that I had been Selected & Prequalified for an Extra loan, I was excited, but the process was taking to long my XXXXXXXX XXXX  was @ XXXX XXXX XXXX  it was XXXX I had to ask if I could finish the call when my XXXX XXXX was over the XXXX XXXX XXXX agreed. When I Return home I called & picked up where left off the XXXX XXXX XXXX, employee said that all they needed was my Signature so he text my XXXX the Link to XXXX Nowhere on the app. From ; XXXX was there any Indication that I was signing my name to a refinance loan. I thought it was a Completely separate loan from my first my first loan was taken out XXXX XXXX XXXX this money was used to purchase a XXXX XXXX XXXX XXXX XXXX XXXX the first loan amount was {$2600.00} I have made {$990.00} in monthly payments never late never short & I only owe {$1600.00} again I was never told that I was taking out a Refinance loan this would throw me Further into debt when I could have just finished paying off my XXXX loan the XXXX loan was for the amount of {$2100.00} the XXXX XXXX employee told me that my XXXX XXXX, XXXX XXXX account would receive the money the next day yes indeed my XXXX bank account did but only for the amount of {$490.00} I was more than Confused so I called XXXX XXXX seeking some answers? & was told that I signed my name to their Contract I ask to speak to a Supervisor so that I could explain about the mix up, on the XXXX there was no mention of it being a Refinance loan The XXXX link that was sent to me only explained about how that Application and System works ect. I did not find out about it being a refinance loan until after I went through the XXXX process I ask the Supervisor at XXXX XXXX,, if I were to return the monies directly deposited into my XXXX XXXX XXXXXXXX XXXX  account which total {$960.00} to them could I return back to my first Original loan Agreement because I did not know that I was signing my name to a refinance loan Please note even if I were to return the {$960.00} I will still owe XXXX XXXX {$2300.00} Subtract {$490.00} Equals {$1800.00} just need some help trying to undo this refinance agreement
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc. (CA)

Yes, good evening I'm inquiring some information on account of my little girls identification documents came up missing a few years back and then so did my own identification... Here we are years later, I've renewed my identity card and it has already been miss in action, so I would love to know if my XXXX. XXXX  daughters identity has been used in any matter at this point because know my has for a fact. Only because I use to be the only person at my age to be in existence in XXXX  and now there's XXXX of me... I believe that to be a issue at this point...
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the pandemic I wrote a salary check from a business account at another bank to myself. The amount was too large for mobile deposit so Bank of America automatically advises you to use the ATM. I used the ATM to deposit {$35000.00}. on XX/XX/XXXX. The ATM ALWAYS alerts you that there is a hold that will be placed on the deposit, and it DOES NOT tell you how long the hold will be. The reasonable amount is 2-4 days. 

I got a receipt that said that my funds would not be available AT ALL until XX/XX/XXXX. 

That is a 2 week hold and also not warranted as the funds are from My company to Myself, and I am able to check balances. 

I immediately called customer service who said that the Bank branch manager would be able to release that ridiculously long hold. 

I contacted my Branch and made an appointment. At the branch I spoke to XXXX XXXX. He also suggested that the money could be released. 

I went in person to speak to them and they said to wait until Monday and I did so. I called the Hold release phone number on Monday XX/XX/XXXX. 
XXXX XXXX Consumers Deposit Department Supervisor informed me that the money needed to be released to them. I have documentation from my other bank that those funds have been released so Bank of America is lying and holding on to {$35000.00}. For an Unreasonable amount of time. 

I have been a customer of the bank in good standing for 38 years. I have not bounced a check nor have I any history fraud, and I have documentation on BOTH sides of this transaction. This is stealing. And it also creates tax fraud as they are misrepresenting income in a different fiscal year.
Consumer complaint received 2020-12-28
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. (FL)

By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (NM)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 XXXX XXXX XXXX XXXX XXXX US DEPT OF THE TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2020-12-28
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. (CA)

My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.