davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (UT)

On XX/XX/2020 my son XXXX and I saw an online add for a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Utah in the amount of {$9900.00} with their advertised " Forever Warranty '' ( see Exhibit 1 ). We made an appointment to see the car the evening of XX/XX/2020. Despite the appointment, the car was not available. It was at the detail shop which was closed. We went back the morning of XX/XX/2020 to test drive the car. We liked the car very much and started discussing a sale. We were informed that the base purchase price would be {$10000.00} because of additional shop fees. We were also informed there would be an additional {$290.00} for " Key Replacement '' service, an additional {$190.00} for brake light enhancement, and {$700.00} for " DrivePur 2 yr '' interior disinfectant spraying service to be applied four times over two years ( see Exhibits 2 and 3 ). We told them we didn't want these, but they said they add these to every used car. They refused to remove these items from the sale, even though they weren't even installed yet. We were also told the car didn't qualify for the Forever Warranty because it was over 75,000 miles - despite it being advertised. We ended up purchasing an extended warranty for {$1100.00} ( undisputed ). 

We should have walked away but we were caught up in the car and trying to figure out what they were telling us about these nonsensical add-ons. 

My first complaint is about XXXX XXXX 's unfair and deceptive advertising. The car was listed at {$9900.00} XXXX plus tax and dealer fees of course ). They added so much on that the sales price went up by {$1600.00} ( plus tax and dealer fees ). 

Also deceptively advertised was the Forever Warranty. While this may have been a sloppy oversight and not intentional, the fact is, the dealer knew the mileage and thus had knowledge that it would not be warranted. Even if it was an oversight, it became a factor in looking at and purchasing this particular car and weren't informed there was no warranty until we asked, well into the sale. 

My third complaint is regarding the financing. The dealerships credit dept ran our credit reports, then sent our request to at least two other finance companies ( XXXX XXXX XXXX ( Exhibit 5 ), XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit 6 ). We only agreed to one financier, but we acknowledge XXXX needed to make an inquiry to determine a suitable lender. So each of our credit reports has four inquiries now which harms our credit scores. These were unauthorized credit pulls as these lenders had no " permissible purpose '' under the Fair Credit Reporting Act. 

I have worked in the heavily regulated financial industry for 35 years and I'm well aware of unfair, deceptive, and abusive acts or practices when I see it.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

This company continues to act in bad faith. They said they would dispute the account and did not, in fact they reapplied it to my credit versus disputing. They said I would receive something in the mail I have not recieved anything. This company continues to provide false responses and reports to my credit without my knowledge and when I found out they reported without my knowledge I have suffered great finicial loses and opportunties that I can not rebound from. Keep sending the same information over and over, but it is all false resolutions. They are just telling the CFPB whatever they can versus assuming responsibilty for their actions. 
I should not have to provide them anything, since they have a supposed right to destroy American citizens credit and livlihood through the credit bureas they also have the ability to view them and see. Once again, false repsones. This is an agency that is making false results and continueing to operate in bad faith.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA (CA)

My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with XXXX XXXX   Listed on my XXXX XXXX and XXXX  the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

I am disputing the following account with XXXX XXXX : XXXX XXXX. Account # XXXX. Date opened XX/XX/2015. Credit limit {$420.00}. Balance {$0.00}. Status : closed. 

Experian keeps on reporting this related to fraud account. 
I tried to solve this matter with them, but they have refused to remove the item, when I even have proof that the account was fraudulently opened! 

I am demanding, once again, this item to be removed from my records. 

Please, send the attached documentation to Experian.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Due to being at high risk for contracting COVID-19, I was not able to enter the bank branch to withdraw cash. I did not have my debit card, so I used my credit card to access the ATM to withdraw cash. The ATM ONLY disclosed that a higher APR would be charged to withdraw the cash, but did NOT disclose that there would be additional fees related to the amount of the cash withdrawn as a cash advance fees. I discovered these fees on review of my statements today and attempted to request a waiver from the bank. The request was denied as to all but one transaction fee of {$10.00}.
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i used to have a credit card with capital one bank, and used to pay all my owed amounts on time, never been late once. 
but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company XXXX XXXX XXXX, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? 
all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time
Consumer complaint received 2020-06-17
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. (GA)

I have disputed this error a number of times. Either Equifax or XXXX XXXX can not grasp what XXXX XXXX has done. I had a collection account with XXXX XXXX XXXX XXXX ( account number XXXX ). When I made arrangements to pay the last {$900.00}, XXXX XXXX XXXX XXXX set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX balance. 

BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. 

How many XXXX XXXX XXXX XXXX customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? 

This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the negligence.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had a used auto loan with Capital One Finance that was given to me on XX/XX/XXXX. 
I was never late on the loan nor delinquent, On XX/XX/XXXX the vehicle was totaled by a drunk driver overnight and deemed a total loss. My insurance expedited the payment to the lender along with left over funds from a extended warranty plan to the lender. Upon receiving the lump sum, the lender decided to apply XXXX dollars of the loan towards interest, then the remaining amount towards the principal balance which left me with a balance due on the loan. I agreed to pay the remaining balance with was around {$870.00} dollars until it needed to be paid off no later than XX/XX/XXXX. I was then told that I would be able to get another car loan despite having a balance left although it may or may not be with Capital One Auto Finance. As I applied for loans next month I could not get any offers from other lenders because Capital One was still reporting to the other lenders that I had a collateral out for the whole loan amount of {$27000.00} instead of the remaining balance. When I called to ask the representative, I was told that until the full balance is paid off, capital one has the right to report the original loan amount to the credit bureaus as they see fit! Had I known this I would've just paid the whole balance off completely! It is now XX/XX/XXXX and I have had the account paid in full since XX/XX/XXXX And this lender still hasn't reported nor updated any information since XX/XX/XXXX. I am still unable to get a loan or the anything rolled over to another car loan because of incorrect reporting. I do believe that this lender is being spiteful of my situation because they were suppose to make a lot of money from me but it was not my fault that the vehicle got destroyed. When the Corona Virus hit the country at a full pace and things started to get shut down, I didn't know my future with employment so i took advantage of the hardship that was being offered at the time! I was still able to work and keep my payments going but since I applied for a hardship, capital also reported that when i applied for another auto loan through them and also to other lenders! This is unfair, and as a consumer I will never take another product from Capital One if they are the last bank on earth. This is the worst Ive been treated by any financial institution in my life, and Ive made all my payments on time and never gave Capital One any issues!
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

Around XX/XX/2020 I received a letter from XXXX XXXX XXXX on behalf of LVNV Funding trying to collect money I do not owe. They are making false statements in regards to amount to be collected which I never heard of. I submitted a dispute of the validity of the debt and any portion there of according to a paragraph from there own letter and the rights the law gives me as a consumer. LVNV Funding nor XXXX XXXX replied to my letter of validation. I advised in the letter not to report any information to my credit report because this account is not yet validated. On XX/XX/XXXX, I received notification from XXXX that LVNV Funding reported a collection to my credit report. This is a straight violation of the FDCPA laws and or FCRA laws.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and XXXX XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company XXXX violated
Consumer complaint received 2020-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I purchased 9 tickets from XXXX for an XXXX game between the XXXX XXXX XXXX to be played on XX/XX/2020. A week after making that purchase California had state wide Shelter in Place order. I immediately contacted XXXX via phone and email with no response. I then contacted Capital One credit card service and filled a dispute. I was issue a temporary credit which has since been reversed. I submitted paper work showing proof of purchase as well as a statement regarding my refund. Capital One responded but saying that their hands were tied if XXXX didnt have a agreement with me regarding a refund or credit. Both XXXX and Capital One have been unhelpful in resolving this issue and Im currently unemployed and out of {$900.00} because two major companies can care less about their customers.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am trying to refinance my house. I have a credit freeze. Experian has inaccurate information about me ; I believe it may be they are using a previous address as my current one. This happened before and I submitted documentation to get corrected. Now years later I am still having problems. I have tried to call, but get caught in a computer circle from XXXX and can not reach a live person to understand how to get this corrected. THEY XXXX IT UP AND NOW I CAN NOT GET MY HOUSE REFINANCED. I can not get it corrected because I have no idea what is wrong. I have requested a credit report, but again, when I fill out the form it doesn't match their incorrect info and I can not get a copy -- - I DONT KNOW WHAT IS INACCURATE
Consumer complaint received 2020-08-11
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. (CA)

I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point  does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time I attempt tp have the credit bureaus do their job before I go to court with them.
Consumer complaint received 2020-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020, I requested a loan payoff estimate online because I was not able to get anyone on the phone at Bank of America. The bank applied a19.78 % daily interest rate to the loan for a week because I requested a loan payoff estimate without telling me. There was no advance notice that if I request a loan pay off that an additional interest rate would be applied. Additionally, the banks website was down the day after I requested the pay off, so I couldnt even get the pay off details that I needed to pay the loan off and stop the unknown interest rate from accruing interest. The monthly mortgage is {$780.00} and theyve essentially added another month to the loan all because I sought details on how to pay the loan off. This is deceptive and unfair.
Consumer complaint received 2020-06-17
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. (GA)

Experian should not be reporting a collection/chargeoff in the amount of {$390.00} on the XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account number and opening date on this account has been changed and the reporting date has been moved forward. This is a total violation of the Fair Credit Reporting Act. The FCRA mandates that accurate information be reported on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-06-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MN)

United Wholesale Mortgage ( UWM ) refinanced my home on XX/XX/XXXX. Included within the refinance was an escrow account to cover my homeowners insurance. 

On XX/XX/XXXX I was notified by my homeowners insurance that my payment was past due and not yet received. At that point I submitted a request via UWM 's secure website asking why payment had not been made and that I was unable to determine that they had made payment via their website. 

I received a secure message back on XX/XX/XXXX from them stating that I can update my insurance information via a secure portal and they provided instructions to do so. As my insurance had not changed, and was still the same information they had on their online portal I determined this was an inappropriate response. 

Instead of moving forward with " changing '' my insurance information, I instead chose to call their XXXX main phone number for support later that day on XX/XX/XXXX. At that point, a gentleman stated that he too saw that my escrow account included homeowners insurance. He stated that the first payment they had indicated was for XX/XX/XXXX. I stated that as my home refinance closed in XX/XX/XXXX, and that UWM knew my insurance was up for renewal in XXXX, as determined by the XX/XX/XXXX due date, UWM should be aware that a payment was needed in XX/XX/XXXX. He agreed and said he would reach out to the insurance department for more information and call me back on Monday, XX/XX/XXXX. 

I did not receive a call on Monday, XX/XX/XXXX. 

I did not receive a call on Tuesday, XX/XX/XXXX. 

I called UWM back on Wednesday, XX/XX/XXXX. At that point I spoke with a XXXX who claimed that as the homeowners insurance was not funded at the time of closing this was not UWM 's fault. I stated that insurance was included within the escrow and she agreed. She then stated that UWM making this payment would impact my future escrow calculation. I stated that I understand that UWM made a mistake, but that the insurance must still be paid. I was comfortable with my escrow adjusting to make up for this error as these were still my funds to pay. As such, XXXX provided me with instructions on how to submit a bill to UWM via an email address and that a check would be overnighted to pay for my homeowners insurance that at this point was more than a week past due. I followed those instructions within the hour on Wednesday, XX/XX/XXXX and requested confirmation in the email for when the payment was sent. 

I did not hear back on Thursday, XX/XX/XXXX. 

On the evening of Friday, XX/XX/XXXX, I sent a reply to the auto-response email that I received on Wednesday XX/XX/XXXX from when I sent them the bill stating that if I did not hear back about payment being sent by noon on Monday, XX/XX/XXXX that I would be initiating this complaint with the CPFB. 

I still have not heard back and am unable to tell that my homeowners insurance has been paid. I don't understand how UWM can hold my escrow account hostage and not pay these bills.