davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
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)

Hello, I very destressed that I found in my report items / inquiries that are not mine. The listed inquiries are inaccurate and I do not recognize none of them. Please delete it as soon as possible as its influencing my credit report. I have never signed any agreements contracts with these companies. Its a pure identity theft someone used my personal information. Please take appropriate actions asap.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (PA)

I am a consumer and Discover Bank has violated my federally protected consumer rights under 15 USC 1692, 15 USC 1681, 15 USC 6801. They have ignored my cease and desist, my affidavit of truth was never rebutted. Discover continues to abuse, use profane language, abusive phone calls and emails. Discover also is destroying my reputation as a consumer financially.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

In XXXX XXXX we took out a 15 year mortgage of $ XXXXXXXX4.875 % annual interest rate. The lender bank was XXXX sold and the current lender is PNC Mortgage. 

180 monthly payments were {$2900.00} plus current local realty taxes of {$670.00} = $ XXXX/month. We have a current principal balance of approximately {$120000.00}. BUT we missed XXXX payment in XXXX XXXX. Ever since, PNC has assessed us a late charge of {$140.00} each month. PNC is demanding a total of {$8100.00} ( {$7300.00} for XXXX monthly payments and {$660.00} late charges. [ I know this does not add up ] ) before we can put our mortgage on an even keel. 

PNC refuses to consider extending the term by XXXX month to XXXX XXXX, which makes is impossible for us to catch up. 

Is the CFPB able to help us?
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX, I opened up a BMO Relationship Checking account. The account opening was successful, and I was able to create an online username/password. I was able to successfully log in and see my account number. To open, I was required to deposit {$25.00}, which I instantly did. 

On XX/XX/XXXX, I was able to log in to my online account, but my Relationship Checking account had disappeared. I called IT support, and they said they could not find my account ( I unfortunately forgot to write down my account number on XX/XX/XXXX ). I was able to confirm with the applications team that my account was successfully opened, and that I needed to wait XXXX business days to get it processed and for it to reappear online. 

On XX/XX/XXXX, I was no longer able to log in to my online account. It said that I had the wrong username/ password, and when I tried to reset with my social security number and email, it said that the information didn't match. 

On XX/XX/XXXX, I went into my local XXXX branch. The XXXX representative could not find the account in her system, but she was able to call in to the same applications team from XX/XX/XXXX. They told her that there was some technical issue that was causing problems, and that they could not release my account number. The BMO representative told me to wait another XXXX days to see if the technical issue had been resolved. 

The following week, I received XXXX letters in the mail. The first was to activate my debit card, and the second was an account statement for the period between XXXX, which confirmed my {$25.00}. On the statement, I received my full account number. I was unable to activate my debit card via the automated phone line, and was transferred to a representative, who then told me to go into the branch to resolve the issue. 

On XX/XX/XXXX, I made another trip to the BMO branch with these XXXX documents in hand. Still, the BMO representative could not find my account, and the BMO representative called their back office. The back office instructed her to create a work request internally to get a resolution to this issue, and that they would investigate and get back to her within XXXX business days. 

I am writing to you today, on XX/XX/XXXX, still unable to log in online, with no access to my account or debit card. The BMO representative never contacted me, and it has been over a month with no access to my account, nor the funds inside.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

I placed an order on XXXX on XX/XX/2020 ( Order # XXXX, Total {$35.00} ). The order was for paper back books and XX/XX/XXXX books. The seller only sent paper back books. So I got in contact with the seller and the seller asked for my shipping address on XX/XX/XXXX then provided a fake tracking number on XX/XX/XXXX. I initiated a chargeback with my Discover credit card and contacted XXXX right away. XXXX confirmed on XX/XX/XXXX that a refund was issued to my Discover credit card on XX/XX/2020 for {$20.00}. However, I never saw the refund in my card then contacted both Discover Bank and XXXX. Per XXXX customer service representative, XXXX issued the refund on XXXX XXXX and discover bank has my money. To my surprise it that Discover bank claimed I lost the dispute even when XXXX already admitted to me twice on XXXX XXXX and XXXX XXXX that XXXX had refunded me.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (DC)

I contacted Comenity Capital to state I was struggling due to COVID-19 and that I had not received my statement to my email address, mail or online account and since they do not allow autopay, I forgot to make my payment. I received the first phone call about my late payment only AFTER they already reported my payment late to the credit bureau. How terrible is that? 

My dad has stage XXXX XXXX, my husband lost his job, I am working 65 hours per week and my in-laws have been recovering from XX/XX/XXXX and XXXX wants to ding me over 2 missed payments to the time of {$60.00} which I paid immediately when they called me and have since paid off my balance in full. 

They are cruel, predatory and unfair and state that they are helping consumers in accordance with the CARES act and when I called them they stated that they could do nothing for me playing completely XXXX. Please help or my families financial future will be crushed. This caused my credit score to go down below any acceptable range for any lender.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

This account was paid off with the stipulation that XXXX XXXX XXXX would remove the account from my credit reports. This account was paid directly to XXXX XXXX XXXX in XX/XX/2018. I noticed this account was still negatively impacting my report when my credit profile was reviewed recently by my mortgage lender.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (AZ)

I have tried to contact my mortgage company over 30 times in order to get copies of closing documents. I am trying to refinance through another company and my current company has not provided me with the documents that I need for 21 days now. I have tried every avenue to get this information to no avail. I dont know if there are rules in place about this.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I given this company my police report on more than one occasion, they actually took the debt off my credit last year, however within the last 30 days they have hit my credit 4 times. The first fax I sent to them was more than 30 days ago and then I faxed the information to them again on XX/XX/2020. I want them to get it removed asap.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America charged me a {$35.00} fee on a POS XXXX debit card purchase made with a checkcard. The transaction for {$20.00} was made on XX/XX/XXXX with funds in the account to cover. The next day a check cleared my account and shifted the balance to negative, which I was charged a justified {$35.00} overdraft fee. 

However they then went back on XX/XX/XXXX in retrospective and charged me another {$35.00} afterwards stating that it was in reference to the XXXX charge of {$20.00}. It is illegal to go back and charge an overdraft fee on a debit card transaction, when funds are available at the date and time of purchase. 

I called the bank back and somehow this one time purchase was listed in their systems as recurring, I told them it was not, it was one-time upload and it was incorrectly labeled in their system. I conferenced XXXX rep in to confirm it was not a recurring fee and it was sent over as a 1 time purchase. The bank changed the coding on their end to recurring. They said it was because the merchant put a hold of {$20.00} on the funds on XX/XX/XXXX which then went through on XX/XX/XXXX. Which is ridiculous all debit cards purchases process for a day or two before posting. At the date and time of purchase, if there are funds in the account, the bank can not go back in and retro charge after for a POS debit card purchase. This is exactly what they did 2 days later. 

This is predatory and their were unwilling to help me even after I spoke to 2 representatives.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I never opened this account. I called XX/XX/XXXX to ask why this account appears on my credit report in XX/XX/2020 ; they would not give me any information because I could not verify the security code on the account. I explained they were incorrectly reporting this account to my credit report ; however, XXXX stated that because I could not verify the account with them, they would not help me. I asked to be contacted by a supervisor or manager, no one returned my phone call.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My complaint against Bank of America is because they advised me they were closing my account on XX/XX/XXXXbut because my tax return was deposited on the XX/XX/XXXXthey say they are not closing or releasing a cashier 's check until XX/XX/XXXX.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (IL)

I dispute 3 bankruptcies on my credit with XXXX in Experian on XX/XX/2023 asking them to verify these bankruptcies they never sent me any information with my signature on it I ask them to please provide me with paperwork they never did this has been an ongoing battle with them about this matter I have sent them in documents from the bankruptcies court saying they didn't verify this debt
Consumer complaint received 2020-12-23
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX account 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (AL)

I bought a new car, so I called bridgecrest to get final payoff. I was told final payoff would be {$16000.00} if paid by XXXX XX/XX/XXXX or incurred a fee of {$2.00} a day. My regular monthly payment was made on XXXX XX/XX/XXXX & final payment of {$16000.00} was made on XXXX XX/XX/XXXX, so, I should have received a refund ( roughly {$320.00} ) due to an overpayment. I waited to receive a confirmation from them, but did not. I called to inquire & was told that there are no notes in my account indicating an overpayment or a refund due. They advised me that would have to research. I don't understand why the refund was not immediately processed when they received the payoff. I escalated my complaint to consumer service to inquire about Bridgecrest procedures for processing refunds, but was not given any process. I believe if I hadn't called, I would not receive a refund & my concern is how many other consumers are not receiving money owed if they don't call. Is this a common practice or an oversight? My case should be investigated to determine if this is a trend with Bridgecrest.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second dispute about items contained in my credit I sent out disputes to the credit bureaus about accounts that are being reported on my credit that were not authorized by me. You had come back verified, how did you verified, who did you talk to? PLease send me physical proof of verification as the law require, you most have the documents to sustain your reporting. 
I have filed an ftc report to document this and would like you to help me resolve this matter.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Around XX/XX/2019 my car was repossessed, I pay all fees to get the car back then i have been paying every month on time until todays date when looking to my credit report, Santander has reported my account as a charge off. 
my payment has not been reported to the credit bureau and my statement received from Santander shows that my account is current but the status as charge off and its causing me a lot of financial distress.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SIBCY CLINE MORTGAGE SERVICE (OH)

I was doing refinance through Sibcy Cline mortgage company. First they didn't fill out paperwork properly and I was short almost a {$1000.00}. I caught the error on time. But then they also didn't provide correct insurance information, XXXX XXXX XXXX XXXX XXXX didn't mail the check to the right company, and as a result my home insurance was cancelled and I didn't have coverage for over 2 months. The big issue is that no one did anything about correcting the error for over two months, until I found out that this was happening and started contacting everyone. There was no apology or compensation issued and I was blamed for not cooperating and being helpful.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (TX)

I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly.  Ad Astra  refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  Black 's Law Dictionary, 9th Edition, 2009,   defines  " Verify '' as, 1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 )  " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and "  Verification ''  as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged accou nt ( s ) an d all that has ever transpired for the alleged accou nt ( s ) , under oath and under the penalty of perjury. As I am sure that you are well aware, curre nt Federal case  law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on  and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' tha t merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations impose d by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company . Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I would like to have these collection accounts removed from my credit report. The balances on these collection accounts are inaccurate and they are damaging my credit. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/2020, I purchased a XXXX XXXX XXXX, at the XXXX XXXX XXXX XXXX XXXX. 
The finance manager doctored my contract to inflate the interest payments and add a warranty purchase that I explicitly declined in the contract. 
I electronically approved the following : a ) 1.99 % interest rate for 60 months and b ) warranties and XXXX XXXX were declined. 
I noticed about a {$3000.00} increase on my first billing statement. Upon downloading the contract from XXXX XXXX, I found the terms were changed to the following : a ) 2.9 % rate over 72 months and b ) an additional {$2900.00} in principal for a warranty. 
Unable to resolve the matter working directly with the dealership, I sought legal help and had the following demand letter sent on XX/XX/2020 Warranty and Additional Finance Fees : {$4100.00}, Attorneys fees : {$2400.00} Total demand for damages : {$6500.00} A few days thereafter, the warranty was refunded. No other refunds were made.