davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX I deposited {$500.00} into Bank of America ATM, accepted my $ but did not deposit into my acct. I reported it on XX/XX/XXXX, went to the Bank on XX/XX/XXXX and they admitted they have an overage of XXXX on XXXX ATM Ledger Supposedly a case # was assigned. Bank said it would take48 hrs. ATM Co said 10 days. I called everyday since XXXX being put on hold each time for 30 mins. Everyday they said they are looking into it. Yesterday they said they didn't start the case until XX/XX/XXXX. I talked to 5 different people and they all said they are working on it. One phone call to the Bank would solve the problem but now they are saying at least another 10 buss days.The Bank wont do anything but acknowledge the XXXX overage.It has already been 13 days with no results. Don't trust Bank of America
Consumer complaint received 2019-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

TOYOTA MOTOR CREDIT - PURPOSELY MAKE IT DIFFICULT TO PAY DOWN PRINCIPAL OF LOAN BY : NOT DESIGNING IN A PRINCIPAL PAYMENT OPTION INTO THEIR LOAN PAYMENT INTERFACE WHEN CONFRONTED BY EXTRA PAYMENTS BEING SENT IN, THEY SAY THEY ARE APPLIED TOTHE NORMAL PAYMENTS DETERMINED BY THE INTEREST RATE AND THE LOAN - SO YOU CAN NOT DEFINE ANY AMOUNT OVER THE REGULAR PAYMENT TOWARDS THE PRINCIPAL ON PURPOSE. 

WHEN YOU KEEP QUESTIONING ( AND THEY DO MAKE YOU KEEP QUESTIONING ) YOU FINALLY GET AN ANSWER OF WHERE TO SEND A DIRECT PRINCIPAL PAYMENT - IT IS OLD SCHOOL, NOT ONLINE AND HAS TO BE MAILED TO A COMPLETELY DIFFERENT LOCATION. MAKING IT SHADY BUSINESS PROACTICE.
Consumer complaint received 2018-03-22
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. (MI)

As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NY)

I went to XXXX to do face threads on XX/XX/2018, work was partially done because the doctor couldn't get the needles into the left side of my face and he didn't have enough needles to finish the work. I was giving an appointment to finish the work XX/XX/2018. When I arrive the doctor asked me why i was there and I said to finish the work. His remarks was that he was not aware of my appointment and he did not have any needles available to finish the work. No one in the office could give me an answer. When I got home i called my bank and place a charge back on {$1000.00} that was paid to the doctor. The doctor had ample time to dispute my charge back which he never did. Instead he send me to collection with capital accounts and capital accounts harassed me with phone calls never providing me with any information. I see that capital accounts provide CFPB with a ledger that is incorrect because the ledger never showed the credit card payment or the credit. Attached please find proof of payment charge back and appointment to finalize the work that was never done.
Consumer complaint received 2022-08-19
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have been in constant contact with my Lender regarding my VA 1st Lien Mortgage since last XX/XX/2018. When my Mother passed away I had to help cover the burial and funeral expenses since no one else in my family was financially sound. I tried several times to be proactive and ask if I could defer a payment or two to the back end of the loan to help pay for the funeral and not deplete my 401k, they would not do anything because I was not delinquent. 
I had a XXXX XXXX XXXX this past XX/XX/2018 and was ONLY receiving XXXX and it wasnt enough to cover the mortgage or living expenses. I had XXXX XXXX drain my retirement, checking, savings, childs college funds, just to try and stay current on the mortgage. But with no luck I fell behind and made several calls ahead of the 30 day late mark and I kept getting trashered to different departments and every single person told me the same thing. Watch the video on the homepage and then call us back, so I watch the video regarding hardships and the documents needed to upload so I call them back and they transfer me again several times just to tell me I need to upload XXXX paystubs and an expense report. At this time already having a 30 day late the representative told me there are no options available for me since I am only 1 month behind and foreclosure process does not start until Months 4-6. I dont want to get that far behind and have a NOD filed it the foreclosure proceedings started. 

As a veteran of XXXX XXXX I would think for sure I would qualify for some type of assistance or relief. Im not asking for a bail out or to rearrange everything I am Just looking for a little help with maybe a deferment in payments now that I am back to work so I can get caught up and maintain my mortgage to save my families house and a roof over my childrens heads. 

I can eat sleep focus and the stress and mental anguish is becoming to much to deal with especially when the CONSISTENTLY call me for a payment already knowing the situation. In over 3 years I have never missed a mortgage payment until last month. I work my XXXX off and have served my Country selflessly. I cant believe there is no help or hope available for me and my family.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$400.00} from Creditor : NATIONAL CREDIT SYSTEMS, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

Ive sent a letter to this company a few times requesting validation of the debt they are reporting, not verification. They continue to ignore my request of the proof of me having any obligation to pay them. I asked that they provide a signed agreement or any other supporting documentation that binds me to them and they have not. Im requesting that this debt be deleted with the credit bureaus but this company continues to report delinquent information.
Consumer complaint received 2019-02-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

Im upset that this Company has given me several different amounts they say I owe. Also they paid XXXX on this account monthly to start the Statute over and make it seem like I had been making these payments. Im upset that they would do that because I sent this car back in 2012 and hasnt made any payments since because the car I purchased was a total out vehicle. Ive explained this to XXXX and they refuse to look into it so that this account is removed from my credit report. They have reported 4 different amounts that I owe them and to think they would go to such links to try to solicit money from me that I dont owe.
Consumer complaint received 2019-02-13
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (MI)

I called Kondaur Capital Corporation to make a payment over the phone. I said that I would only be able to make one payment. I owed the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment. I explained that I could only make one payment. The lady put on hold and a man picked up I explained once again that I could only make one payment and late fees, he refused to except my payment he said I was over 90 days late, I explained that I was not and that I would not be 90 days past due until XX/XX/XXXX. He still refused to allow me to pay over the phone. So I would like to file a complaint against Kondaur Capital Corporation. I facing some hardships but I am doing my best and do not believe this fare treatment. I did overnight a payment on XX/XX/XXXX through The U S Postal Services
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Wess Fargo closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the Wells Fargo why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My cap one account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

My complaint XXXX was wrongfully closed by CFPB without all my request for information provided to me by Transfer Wise. 

Please attach the old compliant resolution sought to TransferWise/ Wise Inc Transferwise wrongly terminated my account. 
Transferwise accused me indirectly of money laundering and criminal activities Transferwise i.e Wise Inc took my call of filing appeal and their agent said that they have indicators in system that my account is flagged and it will not be activated After CFPB complaint, Transferwise activated my account. If there were flags and due appeal process followed, my account should not have been reactivated by Transferwise. 

This proves that Transferwise wrongly closed my account, didn't do proper review during their appeal process, targeted me by indirectly saying that I am involved in criminal activities or money laundering when this account is totally new and I have never even had a single audit or question by any govt agency. 

CFPB did not look at my fair resolution before closing my complaint. Please DO NOT close this complaint before checking with me.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my XXXX XXXX account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
Consumer complaint received 2022-08-19
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-13
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: ALLY FINANCIAL INC. (MD)

Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.
Consumer complaint received 2019-02-13
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: CORELOGIC INC (MD)

Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (NY)

I received an alert from experience that there was a hard inquiry under my info for Bank XXXX Credit Card XXXX XXXX. 
I did not at any time make this application. Was on hold with XXXX credit card XXXX department for over an hour. No help provided. Just left on hold.
Consumer complaint received 2019-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (FL)

well i had purchase a car from XXXX in XXXX it was XXXX ; XXXX dollars on the windshield of the car when i look at at and decide to purchase the car which the open date was XX/XX/XXXX and the last update XX/XX/XXXX which terms of this loans 64 months at payment i am paying XXXX which the car is not worth XXXX dollars by the terms of 64 months to pay off they told me my interest was 12 percent now i find out it 18 percent which they are a rip off company my balance today on my credit report state that XXXX which i have been pay this car off that are company over charging customers on a car loan need to be report which i have done threw my credit beareu company XXXX i am not happy at all with is because i know they are rip me off in a high interest charge my amount of payoff is not right everytime i call them they aint trying to explain or solve the issue on this problem they don't have no answer to what i be asking about the situation i have been dealing with them ever since i had this high rip interest with them the company name is XXXX there address XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am in the process of purchasing a home. I received my report from the lender and a company called Lexis Nexis Risk Solutions Bureau is reporting an unknown tax lien to my profile. I have never had problems with my taxes whatsoever. I have not been notified by anyone however they put this account in my profile. XXXX
Consumer complaint received 2019-02-01
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: Experian Information Solutions Inc. (GA)

XXXX XXXX are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.
Consumer complaint received 2019-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

The are harassing me indicating my mortgage is late. I completed the FHA Streamline Disaster Trial Period for which and I finally received my modification papers fro which I signed and had notarized on XX/XX/2018, sent that very day. It indicating my payment would be {$950.00} ( P/I of {$660.00} and Escrow {$280.00} ). And I continued to make payments was short whereas when I calculate what I paid vs what was paid out for T/I, I am well overpaid. Now they are saying on top of the escrow shortage, my mortgage is $ XXXX higher than what it was!? ( This is literally around the balance of my mortgage on the was around the balance of my mortgage on my XX/XX/2018 statement - I have copies of everything )! I was even getting charged monthly inspection fees when they weren't actually doing he inspection. They could not provide me only provide me with 1. I made several calls with only a few being returned. So I when I did speak to a CSR, I was told to report XXXX XXXX to HUD for which I did, only then did she start to respond since I sent email notification to the " Escalation department '' and CC her indicating. I have yet to hear back from them. It has been 517 DAYS and they still cant get this right. I am at whits end!! I don't even have access online to view what they are doing to my /account. Like they are being shady and hiding something. I told XXXX I AM NOT LATE, do not harass me and tell me I am and then she proceeds to tell me she will note I don't want to received ANY calls. NEVER did I say I didn't want to receive calls, I don't want the harassing calls saying I am late when I am not!? This is what happens when people are not capable of doing their job.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

XX/XX/XXXX Avenue CCA # XXXX Ref # XXXX Ref # XXXX I have twice sent a request to XXXX Bank to provide me documents to prove the validity of a debt they sold to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX  and they too can not provide me with any copies of any contracts attaching me to this debt or previous statements from the account opening until the ending closing date. XXXX XXXX XXXX has also stated that do not have an How can XXXX Bank sale a debt with out the proper documents. I have stated that I dispute this debt and am once again requesting the following -I request copies of all monthly statements on this account from account opening date through closing date of account ( XX/XX/XXXX- XX/XX/XXXX ). 

-I am now requesting XXXX Bank provide copies of the bank letters mailed on XX/XX/XXXX and XX/XX/XXXX, as stated previously stated in XX/XX/XXXX. 

XXXX Bank has denied me access to these documents required by law. 
There is no full detail of the accounting details or legitamacy of this account. How could XXXX   Bank sale this account with out anything more that partial statements? XXXX Bank bought this debt themselves and does not have the documents. 

XXXX XXXX has also denied being given or having access to the documents I have requested. This sounds like FRAUD. Both XXXX Bank and XXXX XXXX is This is in violation of the Fair Debt Collection Practices Act by using deceptive practices of denying me information I requested with in the time frame allowed by law also request a copy of documents used to open this account ( Drivers License - ETC ). I also request
Consumer complaint received 2021-12-21
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. (FL)

After disputing online previously and getting a response of account verified.On XX/XX/21 I informed XXXX XXXX and TransUnion that incorrect information was being reported by my previous car company ( XXXX ) which is reporting a repossession on a paid off account, the account was paid off and traded in for a new vehicle in XX/XX/2021. I requested information on how this account was verified due to the fact that its paid off and was never provided that information.After 30 days I wrote again and also sent receipts from the dealer showing the car was paid off and traded in but the three bureaus have not removed the repossession status/remarks and they continue to report negative information for XXXX XXXX 2021 on a car thats paid for. Its clear this account is erroneous and incorrect.