davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

Im filing a complaint about the company US Auto Service Financing in XXXX, Ga. The company has continuously interrupted the service of my vehicle by using a kill switch to stop the motion of my vehicle. I opened the account with US Auto in XXXX of XXXX, have made monthly payments on my vehicle of $ XXXX but still found myself making extra payments to keep my car from being shut off. In XXXX of XXXX this company notified me that I would have to pay for Gap insurance on my vehicle although it was cover under my own personal insurance company that Ive had in order to get the car off the lot. As of XXXX of XXXX all location has been shut down and Us Auto sold my loan to another company Westlake Portfolio with out my signed consent. The inconvenience of this company cause me a tremendous amount in XXXX fee and cash rides needed to commute to and from work as my car was shut off.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX  Report with no problem. When accessing the Experian/XXXX systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.
Consumer complaint received 2019-06-19
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. (MO)

I want to say i have live in the XXXX XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XX/XX/2019. i reach out to transunion/XXXX/XXXX plus XXXX XXXX. 2 creditor have removed and transuion is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to XXXX XXXXt ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was XXXX  outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in now.
Consumer complaint received 2019-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

on XX/XX/2016, my husband and I purchased a home. We put down 20 % and have an FHA loan. We are currently paying {$220.00} PMI. We wanted to have the PMI removed because we now have over 30 % equity in our home. Our loan was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and is now with XXXX XXXX XXXX XXXX. I've requested the removal of this last year with XXXX XXXX but was denied. I don't think that it's fair, that a consumer who has more than 30 % of the equity in a home, have to continue to pay these fees.
Consumer complaint received 2019-06-19
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. (NY)

Equifax is reporting I owe {$450.00} to VA XXXX XXXX. ( Veteran Affairs ). I disputed this account as paid by me and closed in 2016. Equifax is still reporting I owe {$450.00} so they did not remove the collection account. I personally called VA XXXX XXXX and they concurred all accounts are paid in full and closed. So I disputed it again with a Equifax and again they determined I still owe VA XXXX  {$450.00}. This account is paid in full and the derogatory remark that it is an open collection account is severely impacting my credit rating, job status and loan applications.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am a XXXX XXXX and open an account with Bank of America as I was attending college away from home. I open the account and everything was fine. I was sitting at home and a letter came in the mail stating I had deposited a {$5000.00} check from XXXX into my account which I never did as I did not have a job or ever work for them. My XXXX became alarm and said it was some kind of scam and my account was compromised. So she told me to go to the bank and let them know you never did that. So I did and I was told that they could no longer have my account open because of this. I do not believe that should have happen as I did not do this as this was my first year in college and my statements went to my parents address. I did have the app on my XXXX but never had I seen the check until a copy was sent to my home. I deserve to have an account and they protect me. I don't believe any money was distribute and I was not using the account as we started using the cash app they is very popular to get money to your XXXX XXXX. Bank of America is wrong.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have initiated and investigation with XXXX XXXX XXXX and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA Violations Hippa Violations not mine 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Repeatedly called me at all hours even when told we live in Hawaii still call at XXXX. Calls 20 times a day on various numbers to our various phone numbers. 

The threatened my child after my minors told them they were kids and didnt know anything saying they were going to put me in jail. 

They called my elderly mother and told her if she didnt pay my debt I would go to jail. 

They are abusive and I've repeatedly asked for proof of the debt they claim I owe them. I've informed them I will only pay the debt originator and not them and written and verbally told them they may only contact me via writing after the continued abuse. 

Further, they are calling on a debt that is outside the legal collection period of my current residence and outside the window of my prior residency.
Consumer complaint received 2018-01-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC (NY)

XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is XXXX
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (VA)

JPMorgan Chase Bank N.A as successor by merger to chase Bank USA N.A retaliated against me for filing a complaint against this bank within the CFPB. This Bank retaliatory adverse actions did not stop at the previous reported ones to the CFPB. Unfortunately this bank harassments and discrimination against me is recorded I will not upload all my evidences herein unless I have a Counsel since this bank charged me excessive interests while confiscating my funds for months against my will, this bank declined my transactions without a reason but to harass me, this bank increased by APR interest in a retaliatory manner despite I never failed to pay on time, this bank changed the terms and conditions of all my accounts from the version before the retaliation began so all the new terms and conditions introduced are rejected and disputed by me and do not apply to me and between us courts. Finally I am noticing also this bank about the following : I reject the arbitration agreement introduced recently as shown in the photos for all my credit cards accounts with this bank and I also reject any arbitration agreement with this bank for any account I have with them and at any time time an arbitration agreement will be introduced is also rejected at any time and without my prior or prompt notice in the future. All stated herein is to my current states belief knowledge and understanding and it is subject to any change or any correction by me or my counsel only at anytime without prior notice and without waiving my rights .I will sue your company who discriminate against American XXXX customers. It is my understanding this bank is targeting my well being and my safety and if anything malicious or harmful or negative to happen to me in any sort or state thus bank must be held fully legally responsible and to be prosecuted. Between us public opinion, media and courts. See you then.
Consumer complaint received 2019-06-18
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. (TX)

the following accounts have been disputed on these dates for these reasons : XXXX-XXXX-19, XXXX-XXXX-19, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX # XXXX
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.
Consumer complaint received 2018-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CT)

American Education Services has sent a past due amount ( ~ {$2000.00} ) to collections. I have continued to make good faith faith payments ( $ XXXX/month ), since I am unable to afford the full payment due that was sent to the collection agency. I have made multiple attempts with the company to pay back the past due amount. The company representatives state that unless I pay the full amount due, they will continue to report delinquency to the credit agency. My most recent call to the company was today. Their representative communicated to me that I have no options but to pay the said past due amount in full and making good faith payments will continue to result in delinquency reported. She further stated that there is " nothing we can do '' and " it's not our fault that your car insurance rates have doubled '' ( as a result of adverse credit reporting ). I was then informed that my loans are now serviced for XXXX XXXX  and AES has no ability to work with me for that reason. When I asked for a phone number or email to XXXX XXXX, she stated she does not have any contact information and I should " XXXX it ''.
Consumer complaint received 2018-10-29
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. (CA)

have disputed the late payments on XXXX XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2024-03-04
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. (IN)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Re : Case # XXXX. 

1 ) The credit balance was created on XX/XX/19, but was removed in XXXX. Therefore, 90 days had not passed. ( Note that Citi has deleted all XXXX transactions and the XX/XX/XXXX account statement containing them from my online account history. ) 2 ) I did request a refund via chat within 90 days as you can see by requesting their support records. 

3 ) Regardless of what it said on the statement, this is not part of the terms and conditions for the card.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I tried to get my credit report online from Equifax due to a fraudulent credit application. XXXX XXXX contacted me via USPS mail. I want to see if there are other attempts. Why can I not get this online. They want me to fill out a form with my Social Security # on the form and mail it to them. This is a joke! We are expected to value their reporting? I should not put my SS # on any document going through the USPS.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America. 
Had a Balance of {$2700.00} on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX. Was billed again from the bank on XX/XX/XXXX at which time I had a credit balance of $ XXXX an amount of {$73.00}. At that time I was charged residual interest again at {$22.00}. I have a second credit card which they did the same thing. I contacted the bank and they said that it is their policy to bill residual interest for 2 billing cycles after the credit card is paid in full. Also, not only did I overpay the bills but when I looked at the website for payoff amounts you have 3 options : 1. Pay minimum payment 2. Pay last statement balance 3. pay current balance This is misleading to consumers as the bank states that the current balance is not updated daily and actually does not reflect the current balance with interest and unless you call them you do not have the proper amount to pay off your account and will be billed again residual interest. I hate when I pay a bill in full and then a month later another charge ( residual interest ) magically appears. 

XXXX did the same thing but when contacted they immediately reversed the charges.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I had a XXXX in XX/XX/XXXX. I exchanged my house in XXXX XXXX XXXX to the one I have been living in since XXXX, XXXX. Because of medical bills and no wages, I had to obtain an equity loan with XXXX  XXXX which was taken over by XXXX and finally bought by WELLS FARGO ( WF ). 

The rate of my equity loan was over 7 %. The original loan amount was for {$290000.00} so I have been trying to get a loan modification. I must have applied for a loan modification at least five times and I was always denied. I JUMPED HOOPS AFTER HOOPS IN HOPES OF GETTING A LOAN MODIFICATION even in my XXXX XXXX, to no avail. 

Wells Fargo cited that I was not in imminent default. They also cited that my DTI was to high so Wells Fargo denied my loan application over and over. 

I was given an equity loan knowing that I was XXXX and can only afford to pay the interest only payments, real estate tax, homeowners insurance, flood insurance and homeowners fee. 

When XXXX XXXX XXXX XXXX conditionally approved me in their program and sent notice to WELLS FARGO, WF rejected their assistance. The attached letter dated XX/XX/XXXX details the denial. 

XXXX XXXX XXXX XXXX was going to assist me by paying my arrears up to {$100000.00} to keep my loan current. Their only requirement was that I stay in the home for at least two years. 

Wells Fargo rejected XXXX XXXX offer of assistance and I asked WF why they rejected the assistance. They responded by saying that they never had any communications with XXXX. THAT WAS OBVIOUSLY A LIE. 

In one other phone conversation with WF I was told the loan modification was already completed that is why it was rejected. Another WF agent sent a correspondence stating that they never had contact with XXXX in the last month. That obviously a parsing of the truth. Why would XXXX contact Wells Fargo months or years later There are many other lies that WELLS FARGO conveyed and informed the customers just to whitewash them and halt their inquiries. 

Wells Fargo even says that their CEOs retired because of age. The news outlets states otherwise. 

The chairman and chief executive of Wells Fargo & Co., XXXX XXXX, has resigned effective immediately in the aftermath of a scandal over the bank 's past practice of secretly selling services to unsuspecting customers. 

Wells Fargo & Co said XXXX XXXX will resign immediately as chief executive, becoming the second CEO to leave the bank in the fallout of a wide-ranging sales practices scandal. 

There are many more deceptive practices that WF employs. 

At this time I would like to get a copy of my whole file in order to vet whether or not the information I received from Wells Fargo are indeed true.
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Dear Sir/Madam : I am disputing the above-referenced debt in the amount of {$210.00} from XXXX, i never been acknowledge of this debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the FCRA, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge, And with original hand signature of its owner. I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt.