davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I am writing to complaint against an unfair practice and significantly high lease-end wear-and-tear charge on the lease return especially when I wasn't provided an opportunity to get pre-inspection performed. Usually all customers get a pre-inspection prior to lease return, but citing closures due to Covid, I wasn't given this opportunity, and later received an invoice for the issues I could have fixed if pre-inspection was performed. I returned the leased vehicle on XX/XX/2020. Prior to returning the vehicle I called Toyota Financial Services ( TFS ) twice and asked for the pre-inspection options since the provider " AutoVIN '' wasn't taking any requests citing Covid pandemic. On both occasions, I didn't get any assistance by TFS nor by the dealership, I was just affirmed that I'll be fine and be taken care-off after the vehicle is returned. I even asked about things I should fix prior to returning, but I was not provided a comprehensive guide/list that I should fix, rather I was left on my own to figure it out. I even visited the dealership but to no avail. Later, I received an invoice with a charge, to replace the windshield, of about {$400.00} when I could have got it replaced myself, if I was made aware, for less than half of that cost. I tried to talk with a representative and they only reduced this charge to {$300.00}, but this is not helpful since an average quote to fix a windshield from the marketplace is still less than half of this charge. The representative kept blaming me to not have the windshield replaced prior to returning and didn't acknowledge the fact that Toyota failed to perform pre-inspection and tell me what they expected to have fixed or replaced. I have even filed a complaint with FTC, report number XXXX, and also tried to contact Toyota on XXXX but didn't get a resolution. I'll appreciate any assistance I can get from CFBP.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Javitch, Block & Rathbone LLC (PA)

XXXX XXXX XXXX, now owned by Javitch Block XXXX http : //www.jbllc.com/, Javitch Block has me served papers by Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a monthly payment agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to pay off this debt. I am in the process of trying to obtain a mortgage and repairing my credit. I pulled my report from all 3 credit bureaus and the monthly payments are not being reported and the new balance is also not being updated every 30 days after I make a payment. I have attempted to send certified disputes and called XXXX XXXX, Javitch Block and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and after 4 monthly payments my 3 credit reports are still not updated. They can not report an incorrect balance until it is paid off. This continues to show higher amounts than what I really owe after I make my monthly payment. I have other charge off accounts that are on payment plans and monthly payments and balance is updated monthly. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has informed me that they do let Javitch Block know every month when a payment is made because this is under a stipulation agreement with the courts and if I do not pay monthly it will turn into a judgment against me and as I am trying to repair this I do not want a judgement and have made my payments ever month. Please call XXXX they will verify my payments.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (NM)

Eppicard NM, frequently has locked my account and I can not use the website. As of right now, I can not use my card to pay bills, or use the atm. On XX/XX/XXXX someone stole over {$1200.00} on my account by transferring money out of my bank that I didn't authorize. I called Eppicard and they were suppose to send me the dispute paper and I said I have until XX/XX/XXXX to send them back. However, the papers have not arrived and today is XX/XX/XXXX. I've been calling Eppicard and I'm on hold for hours, and the system hangs up on me. Then I call again, and someone picked up in the background but wouldn't say anything, it hung up. Every time I call, they charge XXXX cents but they won't answer or help me with my problem. Somehow my email was changed on their website, and it won't let me change it back.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Received a letter back in XXXX that my escrow was short. I sent a check for XXXX and my payment would be XXXX. I did send that amount, and received the statement showing they put the escrow of XXXX towards escrow, yet they kept my payment at XXXX. 

Please view the exhibits that I attached in this email. I would like confirmation that my payment is XXXX
Consumer complaint received 2020-10-01
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. (NY)

Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, XXXX  and TransUnion. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.
Consumer complaint received 2020-10-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

To whom it may concern, I am not connected to this debt with Conserve. I have attempted sending several disputes asking for Request for VALIDATION, NOT Verification mutiple times through certfied mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, and recently again on XX/XX/XXXX. I sent these disputes to all three credit bureas and Conserve collection agency. Conserve will not reply to my letter directly but when calling the credit Bureas I am told that Conserve responded to their own inquiry saying this date is mine by using my CURRENT Address and name. 

My address and name should not be the only proof that shoud be used to connected to a debt. After disputing for the last three months I never got a response from them which is against the fair credit reporting act. My dispute said the following : " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. " I again recieved no response unless I call the credit bureaus asking why isnt this file in dispute and why is it still on my report if they are not responding to my letters.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 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 XXXXU has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Accounts in good standing for 20+ years.

1. Bank abruptly decides to close account - allegedly for " operating a business type that we have chosen not to service '' ( for reference I work in the medical IT 
consulting field - specifically Covid projects ) - give 30 days " non-negotiable notice '' and XXXX number to call " with any question ''. 
2. 1-851 line is a scam - staff consistently answers with : " we can not give any explanation ( s ) '', " we can not discuss any bank policy ( ies ) '', " all we can do is confirm that closing notice is final ''.

3. Bank abruptly changes reason of account closing to " like you asked us to '' - After many calls - including one from my same bank personal wealth management associate NO INFORMATION OF ANY SORT IS PROVIDED NOR CAN BE OBTAINED.

4. I stop making payments and send a letter requesting details/contacts re : whom allegedly requested accounts to be closed. I receive a letter back stating " we are unable to process your recent inquiry [ .. ] with the information provided. 
5. Non-stop collection calls from XXXX number start from XXXX including weekends 6. I answer *many* of them and ask EACH TIME : A ) please review notes and that you see my prior requests - and complaints filed - to have manager review case ( ie " business type '' that the bank no longer service AND information regarding who allegedly requested account to be closed ) B ) EACH time I told that yes the many requests can be seen in the system but that no further details can be provided as only a manager can do that.

C ) No Supervisor or Manager are EVER avaible D ) EACH time a promise is made to have manager call back WITH INFORMATION within 24-48 hrs. THIS NEVER HAPPENS 7. When it becomes clear that this account closure due to business type is a sham and clearly will not be reversed, I spend 2 1/2 days of otherwise billable time ( @ XXXX XXXX/hr ) setting up alternate banking and credit card accounts with different banks 8. After at least a dozen conversation with customer service - many of them documented and some even with case # 's assigned to them, the bank has the gall to send me a letter claiming that they " have not been able to reach you [ me ] by phone since your initial communication ''. 

Is this time of Covid - and other banks *helping* their customers - there is something ominous about this scripted and clearly planned Bank of America closing of GOOD STANDING small transaction accounts without cause or reasons. 

This should be investigated for BOTH orchestration, cover-up, and extent of doing. issue.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

I received a call over the weekend from Chase asking me to bring my account current. I was confused, because although I have two accounts, but knew that autopay was set up for both of them. Unfortunately, I didn't realize the autopay had been set up to an old bank account and had bounced the previous payment, and was about to bounce another payment. 

I logged in to make a payment yesterday and found that both of my Chase credit card accounts were closed. I called, and they told me that their auditors decided that I had had too many bounced payments on one account, so both were closed permanently. I escalated to a supervisor, who wouldn't budge, and even spoke to their risk department, who said they hadn't closed the accounts, and that Customer Service had. 

To be fair, I did bounce payments in XXXX because an auto-pay was set up wrong, and among raising a child, working full time, and dealing with a partner still struggling with COVID symptoms months after contracting the virus in XXXX I didn't notice the payments were bouncing necessary, but would go in and make payments. I wrongly assumed Chase would warn me, charge me fees for the bounces, or lower my credit limit. They say they've sent a letter, and while I have received letters now about the bounced payments, I haven't received anything regarding the closure. And yesterday, my cards stopped working, essentially without any warning. 

The problem account was opened in XXXX. For 19 years my credit limits with Chase on that account had waxed and waned. Id been punished before for missing payments or bouncing payments. But never had I been even threatened with closure. There was zero precedent for this, and I had no cause to be worried in my mind. 

Further, the other account was current and had had no problems. It is a Chase Sapphire Reserve card for which I paid {$550.00} for the year of membership. When asked if some of that money would be returned pro rata I was told that it was past the 45-day mark, the relevance of which wasnt clarified for me, and that that meant I couldnt receive any of the money back despite being incapable of accessing the services I was charged for. 

What's particularly painful about this sudden closure is that I've been loyal to Chase ; I assume its because I've spent so much time and money with this bank that they've reciprocated with credit limits that combine to {$47000.00}. Closing these accounts will adversely affect my credit scores as I've only ever used these two credit card accounts, and let others atrophy. This is the lion 's share of my total revolving credit. Further, my total utilization of this credit limit is low and has been so all year, despite the financial hardships we've experienced during COVID-19. Please see attached screenshots.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am trying to refinance my home in XXXX XXXX, FL. I am a customer of BB & T and have a Home Equity Line with the bank. In order to close on my refinance, I need a SUBORDINATION document from BB & T. The request was made on XX/XX/2020. A confirmation of the request was sent via email with an explanation that it could take 20 days due to the COVID Pandemic. It has now been more than 30 days. I believe 20 days was excessive, but 30 days is unreasonable. I have left several voicemail messages with : XXXX XXXX XXXX / XXXX / XXXX / the agent with my case. They have gone unanswered and I have simply been ignored. I am dependent on BB & T providing reasonable and timely service. They are not providing that and are ignoring their responsibility.
Consumer complaint received 2020-10-01
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: Nelnet, Inc. (OH)

I was not late on these accounts and Nelnet, XXXX, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX DEPT OF EDUCATION/NELN : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (GA)

LVNV LLC have reported to the 3 credit bureaus inaccurate information payment statuses, past due amount, and balance owed on three different accounts. Once I notified the credit bureaus that I needed proof that I owed this debt I waited 45 days 2bureaus deleted them however XXXX did not respond back or do an investigation. After all this LVNV reported this info again using the copany name LVNV Funding they also gave my information to another company called XXXX XXXX to collect for them during this same time.
Consumer complaint received 2020-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/30 and XXXX, I have tried to explain to Capital One that they should be releasing Available Credit upon paying the balance. As of XXXX, I have closed the account with Capital One due to many different factors, one including employees in the XXXX who thought it was funny that I was requesting the available credit to be available. I could hear a subtle giggle after the employee put herself on mute and then unmuted herself. I don't appreciate all the level of mistreatment by these people and they should all be fired. 
I wish for no additional communication from Capital One. I'm disgusted with how they operate from a business perspective.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX I made a complaint against PNC regarding a NSF fee that posted on my account. Complaint number XXXX. On XX/XX/XXXX PNC Supervior XXXX reached out to me and resolved my first complaint. On XX/XX/XXXX I filed another complaint against PNC regarding to charges they placed on account. Complaint number XXXX. To which CFPB/PNC deemed as a duplicate to which it is not. On XX/XX/XXXX I contacted CFPB regarding the error and per CFPB rep XXXX advised that I have to filed the complaint over and explained that this a totally different complaint. On XX/XX/XXXX PNC Bank charged my account with two fees in amount of {$100.00} ( {$96.00} excessive withdrawal and {$4.00} monthly service fee ) In my prior complaint ( XXXX ) I explained that I reached out to PNC and spoke with their rep XXXX who stated that she " tried '' to request a refund onto my account in amount of {$100.00}. In addition, I explained that PNC Bank had NEVER charged me such fees and I had withdrawals from the months of XXXX and XXXX. THIS IS NOT A DUPLICATE COMPLAINT!