davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Porsche Financial Services, Inc. (FL)

thanks for the opportunity to have this matter discuss my name is XXXX XXXX my current situation is with : Porsche financial serve Porsche account XXXX I started a lease on XXXX XXXX for personal reason I stop making payments on XX/XX/XXXX when I got the car I down pay 7000 usd I was making payments of XXXX usd for a situation back in XXXX I stop making payments my wife got pregnant and at the same time I lost my job I understand that XXXX what we agree but i can say i really try to make this up till the las moment i try to make the payments but when out of my hands the concern i have is the i been told that the car been sold and i even have gap insurance and they steel reporting my every month on my credit report negative from then i got it on XXXX of XXXX the are keeping my life impossible with my credit my family got bigger I'm no able to buy a house i been staggering very bad with this situation on my credit XXXX of the major bureaus are reporting this information Wich are ( XXXX & XXXX XXXX the comment on my credit show as charged off account they been reporting on my credit even after the sold the car and got pay true the gap insurance I try contacting talking to then but there no way they can reconsider removing the information they are been posting from more the XXXX years since I don't have the vehicle on my possession I been doing things right at this point I just want be able to offer my family a decent place to live if there anything you can do to help me XXXX XXXX XXXX you the contact information from Porsche is : XXXX my name is XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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. (GA)

T

he CARES Act and Credit Reports states ......

If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends.

****In XX/XX/XXXX XXXX/COMENITY/XXXX  is reporting a late payment to my credit report however I had follow all steps of making a valid payment arrangement via the cares act with this company during the XXXX XXXX XXXX however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also.

you are current on payments and make special arrangements, creditors must report the account as current.

Late and missed payments CAN NOT be reported if you have already made arrangements.
Consumer complaint received 2015-06-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My family has been a customer of Bank of America since XXXX. Even though from XXXX my family moved to XXXX states, I always keep my account and a deposit box with BoA. In XXXX fall, my family moved to XXXX, I transferred my deposit box at a branch of BoA. I 'm writing this letter because I loss a big amount money at this BOA branch. I have reported and provided all details of my experience to Bank of America for their investigation. However, no one reposed to me. I have to write a letter to XXXX XXXX ( President, CEO ) in XXXX XXXX. Then I received a letter from XXXX XXXX ( Customer Advocate, Office of the Chairman and CEO ) on XXXX XXXX, XXXX. In this letter, it said that " please allow a minimum of 45 days for a complete investigation to take place. You will be notified by mail of the decision. '' At the meantime, a lady called me and told me the same point of view. Nowadays, Time has passed 200 days, and I have not got respond from BoA. Therefore, I have to complain this accident to you. 

Incidence : On XXXX XXXX, XXXX morning about XXXX : XXXX, I went to open my safe deposit at Bank of America XXXX VA XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, XXXX. I found that an envelope retaining {$10000.00} in cash that was supposed to be in the safe deposit box was missing. Last time I checked the safe deposits box this branch ; the cash was still in the box then. The register card showed that none of the signers or owners has accessed the safe deposit box.
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We purchased the car XX/XX/2020, at the time we got into a loan and were told that at the 6 month mark we would be able to re-finance a loan. When the 6 month mark came we tried to refinance the loan but were then told they we would not be able to refinance. We were told by the dealership specifically that they don't help with refinancing, stating that " refinances don't make them any money. '' This was despite them telling us we would be able to refinance after 6 month 's. We then spoke with Capital One and they told us that they do not take their own refinance loans and we would not be able to refinance with them on our own, even though we were told we could do this by our dealership. We then had further discussion with the dealership and he stated he would help us but every bank he spoke with stated we would have to put more money down to refinance a loan. From XX/XX/XXXX to XX/XX/XXXX I tried to reach out to the dealership and spoke with them again on the XXXX of XXXX. From there we tried to see if I could get a refinance by myself without XXXX. They then asked for my paystubs and I sent those and waited for him to get back to me. On XX/XX/XXXX I messaged them again because I had not heard anything about my attempt to personally refinance. In my message I asked that while he was looking for a loan that he could find a loan that doesn't have simple interest rates or high interest rates at all. He finally responded and stated we would speak the next morning on the XXXX. On the XXXX I then called and was unable to reach him and left a message. I never heard back from him until the XXXX of XXXX. XXXX stated that there was a bank holiday on the XXXX and asked me to reach out to him the following day. I reached out to him again on the XXXX and he stated he would call me some time in the afternoon. I then told him that was unfair because he stated he would call me first thing in the morning. He then stated he only would have five minutes to speak with me, he let me know that Capital One nor any other bank was able to approve my refinance by myself. During the initial purchase of the car we had already put down XXXX as a down payment but somehow that money can't go towards a refinance. They are continually asking us to put down more money to refinance with no explanation as to why. So far within the loan 's life we have already payed XXXX and we still owe approx. XXXX. Nothing we have payed has gone to the principal of the loan and it all has gone towards the interest. No one is willing to work with us on this including Capital One.
Consumer complaint received 2019-10-04
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-21
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. (IL)

I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of XXXX XXXX XXXXu XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX CIS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX BANK NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX TransUnion XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FACTUAL DATA XX/XX/XXXX TransUnion FACTUAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-06-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a spirit world MasterCard with Bank of America and as part of my benefits I get redemption fees waived when purchasing airline tickets using my spirit miles. The charge should have only included taxes/fees and should have been {$360.00} not {$300.00}. However, spirit still incorrectly charged me {$300.00} in redemption fees. The receipt attached doesnt even add up correctly. I contacted spirit and they agreed that the charge should not have occurred and told me to contact Bank of America to file a dispute. I filed a dispute and its been over 10 days and they are not following regulation e requirements. They did not provide me with provisional credit or send me any of the required notices. When I contacted them they said Im not responsible for paying that amount until dispute is resolved however no where does it indicate that online in my activity statement or any written notices. I never received any written notices. I do not believe they are appropriately adhering to the regulation requirements. The rep told me that reg e only applies to debit card transactions which is not correct. I spoke to XXXX in customer service on XX/XX/XXXX.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (FL)

I have an account closed with creditor Acima credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called Acima to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report immediately.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

After paying on our Secured cc card account one day after due date they closed account .No complaint there, although unusual when we were always on time..It was secured with a cd from them ( USAA ) which we agreed with them that they would pay off credit card and send the difference of cd to us in a check within thirty days.This was XX/XX/XXXX. They have given us so many stories and different departments with now ... 60 days later and no refund of balance on cd. 
After alert on my credit from XXXX  they ( USAA ) sent a closed account with a XXXX balance On our credit report! This is how we found out that all this time they hadnt paid it off with our cd agreement.Spoke to someone last night from Usaa ..only to once again hearing them say they were sorry this happened. Our concern is where then is our money? 
We want our money and this negative false report taken off and difference again sent to us.
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (TN)

On XX/XX/18 we purchased a new vehicle and traded in a XXXX XXXX XXXX XXXX who's loan was managed by USBank. Dealership advised the check would be cut within 10 days. On XX/XX/XXXX I called USBank for a status update on the release of my loan and was told initially that the check had not arrived. I went back to the dealership who provided signed copies and signatures that in fact the check had arrived and was accepted. 

I called USBank back and was now told the check had been rejected for insufficient payment. I had a copy of the check and told the agent the amount which was over by around {$100.00} and was again told the amount was insufficient and to have the dealer reissue the check. They did so by overnighting another and gave me the tracking number. 

During this time they cashed the check and when it bounced charged the account fees for this. I called and complained and was told nothing they could do. 

I called back on XX/XX/XXXX to check status of check. Again was told they did not have it but that it can take up to 4 business days to close. I inquired about the payment due that day and cancelled the autopayment after learning of a 10 day grace period as this would be enough time for the loan to clear. 

Instead they cashed the autopayment and told me the overpayment would be sent to the dealership and not me since they paid the loan off. I called my bank and ordered a stop payment as at this point the loan was still overplayed but was now overpaid plus an additional installment. 

Again USBank charged me not only a returned payment fee but now 2 separate late fees. 

Again I called and was told now the account needed {$58.00} to close since it was XX/XX/XXXX and between interest and late payments the account was legitimately short. I demanded the late payments be waived, they declined. I paid the amount and began the complaint process. 

Upon questioning the dealership they apologized profusely and offered to pay the late fees and stated this is a common practice with USBank and they explicitly stopped all loans to them for this reason. 

These people are thieves and never have I had such a problem closing out an auto loan in my life!
Consumer complaint received 2018-03-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Around XXXX my wife took out a HELOC against the house we moved into. She took out this loan prior to us being married and my name was never on the original loan agreement. In XXXX she passed away. I've continued to pay on the loan through present day but never switched the loan to my name. Around XXXX I took out a second HELOC loan with Capital One in my name for the same property with no issue. At some point in XXXX, I tried to contact Capital One about the original loan in my wife 's name because the monthly payments had jumped from around {$250.00} to about {$700.00}. At that point, Capital One told me I would need to provide an executor letter in order for them to discuss anything about the loan with me. I did not have an executor letter because there was no will. I provided them with my wife 's death certificate, our marriage license, and a copy of the deed that shows my name on the deed, and still they insist on an executor letter. When speaking with attorneys about the executor letter it was explained that getting that letter would require going through the probate process and would involve lots of time and money. I did not have the time or money to go through that process so I continued to pay on the loan. I did discover on my own that the reason for the increase in payments was because the original payments were interest only payments and the new payments are now interest and principal. In early XXXX I tried to refinance the loan with another company but in the end Capital One refused to provide the payoff amount because the loan is not in my name. I wasted a bunch of time with the refinance process due to Capital One refusing to provide the payoff amount. Recently, I was asked if I ever tried to assume the loan. This had never been presented as an option in all my discussions with Capital One. When I asked Capital One about it I was told since I no longer live at the property, I don't qualify to assume the loan. I had just moved last year and have renters living there now. I don't understand how Capital One can legally refuse to deal with me on a loan that I have continued to pay on for a property that I own and have another loan with them for the same property. Now finding out that I could have assumed the loan during the time that I still lived there is even more frustrating. They've caused me a lot of time, frustration, and hardship by insisting that I provide an executor letter and never giving me any other options during the last 3 years I've been dealing with this. To date I continue to pay $ XXXX/month and they still insist on the executor letter in order to discuss the loan with me. Capital One has also stopped providing me monthly statements since the end of XXXX so I have no idea what's left on the loan and what is actually due each month.
Consumer complaint received 2022-02-21
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. (FL)

I am exercising my rights under the Fair Credit Reporting Act and seeking a validation of debt of an account that is currently been reported on my credit report. The XXXX  XXXX XXXX account that is been reported on my credit report is what I am speaking of. The account number for that account is XXXX. I am seeking documentary evidence that this account belongs to me. I am also seeking documentary evidence showing the payment history on this account and the amount paid each time on this account. 
If you are unable to provide me with this information then under the Fair Credit Reporting Act then this account should be deleted from my credit profile immediately.
Consumer complaint received 2022-02-21
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. (MI)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (VA)

Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

Starting on XX/XX/XXXX, when I received SNAP benefits, I have applied now 3 times now for a 12 month Economic Hardship Deferment from FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education, for my subsidized and unsubsidized Stafford loans. 

Since I am a SNAP recipient, by law I am entitled to a Deferment so that my subsidized loans do not accrue interest. 

However, FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education keep rejecting my application and instead placing my loans in short forbearance, first for only 2 weeks and today for only 2 months. 

I noticed this was never a problem under Obama, but was under the Bush administration and now under current admin and XXXX. 

I submitted the appropriate documentation, I am entitled to a Deferment.
Consumer complaint received 2018-02-26
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: DISCOVER BANK (ME)

In XX/XX/2018 Discover Bank sent me a 1099-C, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a Discover Card in my name. SInce XXXX effectively canceled the debt by issuing the 1099-c, they can not report a balance or past due amount on my credit report. I disputed this through XXXX, which Discover verified the balance and past due amount, there by violating the FCRA as since the issuance of a 1099-c cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. DIscover is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.