davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BERKSHIRE HILLS BANCORP, INC (GA)

1. Escrow funds not applied correctly to renew Home Insurance causing me additional payment {$790.00} for the lapse in coverage.

2. Raised complaint in 2020 ( XXXX ) and they agreed to refund this amount. 
3. From XXXX I have been following up and they tell me I will receive a check within 60 days but nothing comes, I call again and they keep telling me the same. Escalated to manager several times but no action. No responses to email. I spent countless hours on the phone to settle things more than a year.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I bought a XXXX XXXX on a 3 years lease in XX/XX/XXXX from XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX TX. At the time of signing the lease, The Representative named XXXX XXXX pushed us to buy XXXX  ( XXXX XXXX XXXX ) along with the monthly lease payments, adding an additional $ XXXX  monthly into the lease payments. I was already reluctant to purchase the XXXX  so two months later I went back to the dealership and asked them to cancel the XXXX  and adjust my lease payment so I can pay {$27.00} less every month. They told me we can not change the payment plan but you will be able to get this money back at the end of your lease. I asked them for a receipt or document as a proof that I asked to cancel the Protection plan, So they made me sign a paper, when I asked for a copy of that document I signed, they said No, we can not give you a copy, I insisted and they still wouldn't give me a copy. Then I said I am going to take a picture of this document if you don't give me a copy, and I took a picture. I have that picture and I am attaching it to the complain. 
Now the lease ended in XX/XX/XXXX and I went to the dealership and had the vehicle financed in my name. At that time I asked them to help with the refund of that money and the sales person said he will get back with me on that. Later on I called him and texted him, he returned the text saying he can not help me with that and I have to talk to a manager. since after that I tried several times to reach and talk to someone at the dealership to resolve this matter for me and pay the money I have paid monthly along with the lease payments for 3 years. Nobody responds to my messages and phone calls. I still have the picture of that document saved in my phone.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mobiloans, LLC (WA)

On XX/XX/XXXX I granted MOBILOANS the right to provide me an extension of my credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). However MOBILOANS furnished deceptive forms to deceive me into believing they provided me credit on their behalf. It is a fact, I am the original creditor and MOBILOANS has been fraudulently collecting payment from me in regards to the extension of this credit as well as other charges and fees. MOBILOANS also frequently computed " finance charges ''. I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/XXXX I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. I received a vague response from MOBILOANS stating that the Fair Debt Collection Practices Act does not apply to MOBILOANS - see Exhibit A. I am demanding that they provide the law that exempts them from following federal law. The documents provided to me by MOBILOANS clearly states TRUTH IN LENDING DISCLOSURES- so MOBILOANS is willfully and knowingly committing fraud because this information is public and they are governed by these regulations! They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, MOBILOANS has committed fraud and continues to violate my rights as a consumer.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OR)

On XX/XX/2021 I paid {$800.00} down payment on a service, using the XXXX app via my USBank checking account. The service was not done. I contacted the bank to file a claim and was told that because i used XXXX. there is no way the bank can submit a fraud claim. I was also informed that a notation while using XXXX stated that if i didnt know the recipient I should not complete this transaction. I contend that there is not enough protection for consumers against fraud using this service, As the intermediary in the transaction process, i think it would be prudent of my bank to be able to claim from the receiver on my behalf. This would offer more protection and dissuade fraudsters from defrauding unsuspecting consumers
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST INTERSTATE BANCSYSTEM, INC. (VA)

first interstate credit card reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I have been disputing this account for some time now with VANCE AND HUFFMAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

I just had gotten an notification from my credit report saying I had an an debt collection which was new to me. And it popped up as EOS CCA. Saying I owe XXXX that I dont know about and also it was giving an address that I never been to in my life
Consumer complaint received 2021-10-07
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. (TX)

I have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed XXXX XXXX bankruptcy in XX/XX/2021, and my debt was discharged in around XX/XX/2021. 

Bank of America is attempting to collect debts that were discharged in my bankruptcty. 

They also sent me a 1099c stating the debt was forgiven by Bank of America. They sent this false information to the IRS too. 

And to be clear, my Bank of America credit cards were closed before I filed bankruptcy, so they were definitely included. Bank of America is in violation of a Bankruptcty Court Judgment by attempting to collect the discharged debt, and by falsely reporting the status of the debt to the IRS. 

And to be clear, I have made no promises to pay the debt after my bankruptcty. 

Repeated calls to Bank of America have not resolved the problem.
Consumer complaint received 2021-10-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I have noticed that interest rates for mortgages have been falling since I purchased my home and began an inquiry through the rocket mortgage app to get information on my current loan which they are the services of. I started on the app about a quarter before midnight, but due to incorrect information about me having another lien and no one available to speak to in customer service at that hour I left it as is with no desire to continue. I never submitted any application as the information they had was wrong and I did not want to further the process. This morning XXXX I see that there is an application requiring documentation on my end which was not my doing. I also got a text message from a banker at quicken loans rocket mortgage offering me his assistance but I never solicited that either. I called rocket mortgage customer service after receiving a XXXX XXXX and XXXX XXXX notification of a hard inquiry on my report. Upon trying to communicate with the banker about the inquiry he gave me incorrect information in attempt to get me off his back.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mobiloans, LLC (WA)

I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, XXXX has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from XXXX stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!
Consumer complaint received 2022-09-18
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: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the Fair Credit Reporting Act Santander Consumer USA ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo mailed me a letter that said that I had opened an account. They mailed this to my home mailing address which I never use. I went to the local branch and they were very helpful and called someone at Wells Fargo to report the identity theft who gave me identity theft case # XXXX. They will not give me a copy of the application from and where and whoever applied for this opening of the checking account, as they state it was online. They have all of my identity that they captured/got from somewhere and I would like to know who, what, and where they got or stole my information. The only thing wrong when I asked the helpful lady at the branch was my drivers license expiration date and my email were both incorrect. Otherwise my social, home address, date of birth are all on it and correct even my home phone number I never give out. Given the history of creating fake accounts with this company is Wells Fargo back to their fraudulent methods new account creation methods? I also opened a case with XXXX County, WI Sherriffs office case # XXXX. 

My combined credit/FICO score went from XXXX on XXXX to a XXXX on XXXX. The credit reporting agency XXXX XXXX does not answer/or allow you to speak with anyone ( what a joke to put a freeze on your account. XXXX made me send them a copy of my drivers license and a photo of myself prior to putting a freeze on my account and tried to sell me some {$99.00}. credit monitoring to place the freeze on it. XXXX was easy to place the lock on the account after establishing a PIN number. 

Thanks, XXXX XXXX XXXX.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (VA)

barclays XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX, XXXX
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX, Ga. XXXX Dear XXXX representative, Step 1 : What is this complaint about? 
The complaint is about the fact that when I asked Equifax about how they verified the bankruptcy that they are reporting on my credit report, by writing a certified letter to Equifax, Equifax says that the courts verified the bankruptcy and when I contacted the courts and the courts just do not report any bankruptcies to the credit bureau at all. 

Step 2 : What type of problem are you having? 
Equifax is sending me the same letter over and over saying that the bankruptcy that they are reporting on me is from XXXX a third party they claim verified the bankruptcy and that the courts verified the bankruptcy too. However, attached is a copy of the letter that the courts sent to me saying that they do not report bankruptcies or give personal sensitive information out because they do not verify personal information. Also, Equifax says that they got the bankruptcy information from a third party called XXXX XXXX. 

Step 3 : What happened? 

When I contacted XXXX XXXX, they have removed the bankruptcies that they were reporting on my credit report. See attached letter please where XXXX XXXX has removed the bankruptcy. Also, Equifax is sending me duplicate letters saying the same thing that XXXX and the courts verified the bankruptcy, when it fact neither take responsibility for verifying a the bankruptcy that Equifax is reporting on my credit report. 

Step 4 : What company is this complaint about?

So, Equifax needs to remove the bankruptcy that they are reporting on my credit report because when I wrote them 3 certified letters asking to remove and delete the bankruptcy ( since they did not verify the bankruptcy ) but keep sending me the same letters 3 in all saying the same thing ; the courts verify which the courts say they do not and they keep saying that the XXXX did not in infact removed the bankruptcy that they had on my credit report. 

Step 5 : Who are the people involved? 

Equifax contends that the third party named XXXX XXXX gave the bankruptcy Information to Equifax, but XXXX XXXX has removed the Bankruptcy. Please see the letter that XXXX XXXX sent to me stating that they have removed the bankruptcy that they were reporting on me Please assist me in this very important matter and demand that Equifax remove the bankruptcy from my credit report according to the 609 fair credit reporting laws. 

Thank you in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (DE)

On XX/XX/21 I applied for a loan from them for {$2000.00}. I received an email stating the loan was approved XX/XX/21 and they needs a photo ID. I uploaded my drivers License to verify my indenture. I then received an email today XX/XX/21. Stating my loan balance was due in full however I never received any funds. The letter also had no balance. I called into customer service and the repressive stated the loan is approved for {$2000.00} and that I need to upload a selfie picture to verify my identity & that this was a new security process for them. I advised her I uploaded the front & back of my drivers license and didnt understand why I would need to take a selfie and send that too. The representative stated she knew the new security measures they put in place would cause an issue but yo just upload it per the loan officer & to call back in an hour to verify it was received. I complied called back 2 hours later and that representative stated I needed to take a selfie of me holding my license so the loan would go thru the final approval process and be funded to call back in an hour ensure they received the selfie. Well I received 2 emails at XXXX XXXX  stating they couldnt approve the loan, an email at XXXX stating. 
Cash Central approved* you for funds up to {$2000.00}. All you have to do now is click here to verify your identity and request your funds. Act now and have the money you need in your hands tomorrow! **then 2 emails at XXXX stating After carefully reviewing your application, we are sorry to advise you that we can not grant you a loan at this time. If you would like a statement of specific reasons why your application was denied, please contact our customer service department shown below and reference code ( s ) XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. So I tried to call them at XXXX its not in service called XXXX its not in service XXXX. Also not in service. 
I feel they are discriminating against me racially due to my drivers license picture and selfie. I also I believe they are violating lending laws after advising me I was approved them stating I am not. I feel like their advertising is a scam to get my personal information and sell it & they never had any intentions of giving me this loan.
Consumer complaint received 2021-10-07
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: NCB Management Services Inc. (TX)

This company shared my account with a third-party collection company ( NCB ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to NCB and now NCB is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but XXXX disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from XXXX and NCB XXXX & FTC report filed last year. )
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

XXXX EST So I called Citi and somebody asks me why I am disputing I attempt to read to them the refund policy of the website and immediately met with hostility by this women who interrupts me and starts talking over me. I told her I am done talking to her and asked her name, she refused to give it to me and kept babbling on some XXXX about how she was trying to help. This is tortious interference, customer service acting like fools and waiting time, making it impossible for me to reasonably launch a dispute.