davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (SC)

On XXXX XXXX I paid off an auto loan for a XXXX XXXX XXXXXXXX in the amount of {$17000.00}. I called Truist the next day on XX/XX/XXXX, and a formal complaint was issued to request a paid in full letter. I have since talked to the company twice via phone on XX/XX/XXXX & XX/XX/XXXX and twice via the online question center requesting a digital emailed copy of the paid in full letter. I have also been experiencing problems logging into my online portal. I frequently get automatically timed out when I submit my login information. If ... I am able to login, all of the payment receipts, statements, and even account information have been removed. The customer service representatives have submitted formal complaints requesting the paid in full letter, but blame the " back office '' for neglecting their job and tell me to call back in a few days to see if it has been posted to my account. In the meantime, the {$17000.00} was approve and cleared by my bank XXXX XXXX on XX/XX/XXXX. I was told by the customer service rep that I should have received a emailed & mailed receipt after the payment to which I received neither. The last form of communication i received from Truist was on XXXX XX/XX/XXXX in the form of a digital statement. As with the for mentioned example, I have not received in information on the title transfer from Truist to myself. My personal property is being held by the Truist Company with no representative having a clue of how to competently handle the situation or to which steps should be taken to get both the " paid in full letter '' or the " Title Transfer ''.
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Collection Management LLC (NV)

In XXXX, XXXX, and XX/XX/year> I contacted the creditor by certified mail USPS and have not received any proof of this debt, from a hospital located somewhere in XXXX or XXXX based on my research. I have not visited, resided, or have any ties to XXXX XXXX XXXX. This has negatively impacted my credit bureau ratings. They are threatening that I owe {$3400.00} immediately with no explanation given! My insurance is through XXXX State of Arizona, which suggested I file a complaint with the CFPB after I had made every attempt to contact this debt collection company with no resolution. I need help from CFBP with this. 

I am now retaining XXXX XXXX to proceed with this matter in addition to filling an additional complaint with the FTC. 

Previously mailed a certified letter with NO RESPONSE.
Consumer complaint received 2018-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PRESTIGE FINANCIAL SERVICES INC (ID)

XXXX XXXX XXXX XXXXXXXX XXXX & their affiliate finance company, Prestige Finance. XXXX XXXX purchased around XX/XX/2016. After filing for bankruptcy due to a divorce, I had to turn in my vehicle. I went to XXXX XXXX XXXX as they are one of the companies that claim to specialize in " credit challenges '' such as this. The salesman assured me if I just keep the vehicle for a year they could get me back out of it and into an SUV like I had wanted since the vehicle was a XXXX and would hold its value better than an American made vehicle. Prestige Finance has been engaging in Predatory Lending and targeting Borrowers who have limited options to due credit challenges and/or bankruptcy. They charge much higher interest because of the credit challenges. I expected this, however, they DID NOT disclose all of the loan terms when I signed paperwork. And recently I learned my loan has a fluctuating interest rate, and several of my payments went 100 % to interest and not a dime went to principle. My balance has not gone down for several months. It has actually GONE UP. Which means this loan has negative amortization, an adjustable rate, and would not be able to be paid off by the term agreed upon ( I believe it was a 6-year loan ) without a balloon payment. I have worked in finance/mortgage business for over 15 years so I am well aware of deceptive and predatory lending practices and I told Prestige this, and that I will not continue to throw money away on this loan. I also have NOT been able to trade the vehicle in like the Salesman assured me I could. I've tried for over a year straight. There is $ 5-7k negative equity, especially since my balance hasn't gone down. I've recently had a baby so we now have a family of XXXX and can't even fit my family in the car, or a stroller. So not only has this left me in a difficult financial situation, but I've also been paying for a car that I can't even use. They also would harass me every month beginning the day before the payment was even due. Three times daily at a minimum. A phone call immediately followed with a text message and an email about my payment being due.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

On XX/XX/XXXX and XX/XX/2018, I requested that my Fifth Third Bank access 360 prepaid card and Trio credit card be closed. After several hours on the phone with the company and multiple Representatives, they have refused continually to close my credit cards. They state that they require my physical presence in the branch, which is not feasible because the nearest branch is over 500 miles away. There is no indication in any terms or conditions referring to or stating that I am required to be present in the branch to close a credit card.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO ZERO THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.
Consumer complaint received 2021-06-04
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: Lendmark Financial Services (NC)

There are two hard inquiries listed on my credit report that I have no knowledge of from Lendmark Financial on the dates of XX/XX/2021 and XX/XX/2021. I never gave consent to this company nor do I know of this company to give access to my personal information. I have never given written consent nor signed off on anything that has to do with this company.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I prepaid on my mortgage account ( my payment was sent on XXXX XXXX, 2016 ) to be used toward my XXXX XXXX, 2016 payment. PHH mortgage used that money toward my principal, and then proceeded to send me a late statement stating that I had n't paid my mortgage for XXXX XXXX, 2016. When I complained they " refused '' my claim, and my principal has been docked, along with my credit being affected. When I contacted PHH Mortgage, they stated that they could n't fix the principal amount because they sold my loan. I want PHH Mortgage to be held responsible for the amount that my principal was " docked '' because I had a " late payment. '' I spoke with XXXX XXXX at PHH, who told me that he could n't help me, nor could he forward my complaint to anyone.
Consumer complaint received 2021-06-03
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. (CA)

I sent a letter on XX/XX/21 to Experian disputing wrong information on one of the accounts on my credit report. I asked them to remove the account since the info is erroneous, inaccurate. 

I did not hear back from Experian in more than 30 days. I sent them a second letter on XX/XX/21 demanding to remove this account from my credit report. Under the Fair Debt Collections Practice Act ( FDCPA ), I have the right to dispute any information that is inaccurate in my credit report and the bureaus have the obligation to investigate within 30 days and if they can't verify or do not respond ( which is clearly the case here ) they are to remove the account immediately from my credit report.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX  and my XXXX insure since i been declared XXXX since XXXX please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

About two years ago an American Express Card was opened in my name after I lost my wallet, and my identity was stolen. I only found this out recently, due to the fact I was checking my credit report and it shows closed by credit grantor. Why did I not ever receive this card? The address you have on file per your customer service I have not ever lived at in my life. I would like to request this account to be removed from my credit file. Per your agent American Express has me in their internal reporting as a bad customer for disputes. I never filed a dispute because I never got the card or billing statements. I want this internal reporting removed and the account removed from my credit report as I cant apply for an American Express because of this card.
Consumer complaint received 2018-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Auto Finance has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from Capital One back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

XXXX is at fault for 2 day back to back impact that is not by law considering I was not applying for credit
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (GA)

In 2011 I mediated a credit card debt to XXXX and paid it in full. I am about to sell my house and was notified of a lien against my house as a result of " non payment. '' I have searched everywhere for a cancelled check, called XXXX XXXX XXXX to see if they could provide proof, to no avail. When I went on the Government website for XXXX XXXX in Georgia, I found the case number ( XXXX ) and it was listed as XXXX  XXXX Bank vs. XXXX XXXX. The case was closed. Clearly, I paid the debt, but XXXX XXXX XXXX, Cooling and Winter will not release the lien. My house closes on XX/XX/XXXX. What do I do? 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

I took out a loan with AmeriCash on XX/XX/XXXX. I was making payments every 2wks which I believe I have paid off the actual amount loaned & only owe interest. My last payment was XX/XX/XXXX. I'm having financial difficulties & I do intent to pay but they keep calling and harassing me. I mailed them a certified letter on XX/XX/XXXX which was signed letting them know to seize contact at work or by phone & that I will resolve the issue. They keep calling me at work, home, and a few days ago they even went beyond that & called my brother telling him that I was in bad shape or something which freaked out my brother not knowing if something had happened to me.
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I've opened an account with Venmo so I could recieve payment for some baby items I sold to a customer online. Only form of payment she had on her at the time was venmo. So I set up the account and recieved the payment. From the minute I received the payment Venmo has frozen my account even after successfully might I add verifying my identity ( so I know that isn't the problem ) and I've personally wrote them 5 times and spoke to 5 customer service representatives who tell me all the same exact thing. The first two told me the day that if happened to give them up to 1-2 weeks to get back with me about the status of my account and couldn't tell me why it was frozen and when or if they could even unfreeze it! Then 2 and a half weeks later, no response. I wrote 2 more separate CSR 's and was given the same excuse, no explanation, but told that it would be forwarded to an escalation team and keep an eye on my email but it could take up to 2-8 weeks for a response! This is after I should've already recieved a response might I add and haven't. Over a week late on top of that! I just want my money and I want to close the account. It seems that no one actually works at Venmo, atleast not a living breathing human because I have screen shots where I was stuck at the gas station with my XXXX in the back seat out of gas and needing to use my money on Venmo to put gas in my car so we could safely get home and after explaining this to Venmo they still offered no explanation or even a resolution and simply did not give a XXXX XXXX. I personally will never use them again after the blatant disregard for my child and I in Florida in 102 defeee weather out of gas stranded with no way to even access MY MONEY that they have STOLEN from me. No matter what I do or who I speak to I can not transfer, send, or even withdraw money I was sent for payment for something over a month ago!!!
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed a credit card issued by XXXX XXXX XXXX on my credit report that I neither applied for or was offered. The card was issued on XX/XX/2018, and shows a credit limit of {$500.00} which seems to have been maxed out immediately. Card currently shows balance of {$500.00} which appears to have no payments made. Called issuer to inform of this apparent fraudulent card in my name as soon as I noticed it. However, account still appears on my credit report and is damaging my credit. XXXX XXXX has not provided any details or proof that shows this account opened by me. Need any help possible to have this account removed.
Consumer complaint received 2020-06-05
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)

Ive had quite a bit of identity theft over the past couple years and I finally got most of it resolved with a lady who worked at Experian named XXXX subsequent to that in XXXX of last year I had a XXXX  XXXX  I was in the hospital for quite some time and yet again someone went after my credit insert opening accounts. Theyve managed to put my phone numbers out open accounts change addresses its been a huge mess I finally got everything resolved on my report with Experian except for one account. It showing that there is another car that was purchased while I was in the hospital having recovery time for my XXXX  XXXX. After the XXXX  I moved to XXXX  from XXXX  and have been living down here even before the car was bought because I needed to get XXXX XXXX. I sent all supporting documents Ive contacted the company I reached out to multiple times and there is a car that I couldve never gotten on the report. I wouldnt have mind giving them my XXXX  phone number the hospitals phone number and I dont know what to do anymore he verifying it is correct. At this point Im getting denied an apartment to do this and in accurate information that will not come off Even with the police  report in the freight ID kit Experian refuses to block or remove this account.
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

submitted a claim in XX/XX/XXXX for a deposit reimbursement on a moving company that i cancelled service within 24 hours ( below their 72 hour policy ) BOA rejected my claim, in favor of the merchant, i faxed all the backup document in XX/XX/XXXX, with proof of email cancellation within 24 hours, and the company 's cancellation policy. BOA again, rejected my claim in XX/XX/XXXX with out any explanation and any mail sent to me with explanation. Even though i had spoken to 4 different customer service agents who escalated it and acknowledged my fax. I called BOA on XX/XX/XXXX, and they acted like they didn't know about the fax i sent, and the proof of cancellation. The Claim 's department is the worse i have seen in my life. Instead of helping their customers ( i have been a loyal customer for over 15 years ) they don't care. They rather loose the business than have to to real work and their job. Why does BOA pay these people for doing nothing, but the are ok with taking XXXX dollars from their customers, unfairly.! Also, they already took my money from my account on XX/XX/2018 XXXX Temporary Credit Reversal. but i got a new message stating that a result, the credit for {$860.00} that was previously applied to your account will be removed on XX/XX/XXXX.  Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed. THEY WANT TO TAKE IT OUT OF MY ACCOUNT Twice!! Please help recover my money, due to this and their other claim mistake, i have been hit with many NSF charges.
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (TN)

Barclay Bank of Delaware is reporting a debt of {$2200.00} on my XXXX Credit report. In my past CFPB dispute I was advised by Barclay that this was a valid debt and in speaking with the office of the president staff member XXXX XXXX, he was able to hear on a phone call where the Barclay staff member had formally told be incorrectly that the a XXXX had been issued and the debt was cancelled, which is what I have always been told. Two days ago XXXX XXXX told be to contact XXXX XXXX XXXX to settle the account as they were now the one 's handling it. The phone number he provided no longer worked so I called him back to let me know. Today he said Barclay was actually recalling the debt and I could work with them, no explanation was provided for the recall. He provided the phone number XXXX ext XXXX to address the balance. After finally reaching someone at this phone number ( XXXX -Employee ID XXXX ) she stated that she can see that XXXX had the account and Barclay issued a recall but stated there is no way at all for her to collect payment on this account. How can I be responsible for all their errors, in addition to the fact that they are reporting a balance but won't accept payment!
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX  also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to XXXX and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (MO)

I purchased a 2014 Volkswagen XXXX XXXX for {$8000.00}. I've paid {$350.00} for the past 40 months. Volkswagen still says that I owe another {$10000.00}. The turbo went out on the vehicle in XXXX. I have a contract with XXXX. Volkswagen contacted XXXX. XXXX refused to honor their contract, ( which was 2 months old ), therefore Volkswagen refuses ( to repair turbo, which is still under manufacturer warranty for the XXXX  ) unless or until I or XXXX pays the {$1900.00} for the thermostat. I considered trading in the vehicle, but received no help just suggestions and excuses. I then decided on a voluntary repossession. I need your help.
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.