davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (VA)

Over the last 8 months, I have been reaching out to J D Byrider, trying to get the loan for my car situated. I have a {$18000.00} loan for a XXXX XXXX XXXX that is used. My first issue came when I had a loan with them and the car was totaled and they told me if I purchased a car from them the first loan would be forgiven. That is not the case, I looks like I am paying for one car but I am paying for the car that was totaled and the car I have currently. When I spoke to the insurance company they stated that they released all the funds to J D Byrider per my request. I never spoke to the insurance company aside from reporting the accident. The finance representative from J D Byrider stated that they would speak to the insurance company so that I am not bet out any money. I went back several months later and purchased the XXXX XXXX, everything was fine until I missed a few payments and noticed that the information on the loan was different then discussed. At the point I was threatened with repossession and having a bad credit score because I was not paying. The car was repoed 3 times and I was charged {$370.00} each time and was told that it would be added to the end of my loan. I moved to NC and prior to doing so asked that the car be picked up. I was told that the car would be auctioned off and I would be responsible for the remainder of the balance and that a garnishment had been issued for past due payments. In about XXXX the calls and threats had stopped, I assumed it was because I started sending in payments but just learned that the company is no longer open and I have no idea where my payments have went to and on top of that I have a car with no title that does not run sitting on my credit showing I still owe over {$16000.00} for. I can not get another car because of this and wasted over {$15000.00} making payments to a company that is closed. I have reached out to the local branch here and they stated that they are not affiliated with the branch, I called the customer service number and it no longer works. I am confused on how to move forward, I need to get this problem taken care of
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

Problem : Unable to access my checking account funds at Bank of the West ( BotW ) XX/XX/2020 : Applied for Bank of the West " Any Deposit Checking '' account online, received email confirmation. Used a XXXX debit card to fund the {$5.00} opening deposit. The debit card transaction was approved and funds were taken out of my XXXX account. 

XX/XX/2020 : Account approved and opened, received email confirmation. Immediately created my online banking account, was able to log in and see my routing and account number. 

XX/XX/2020 : Tried to log in to online banking via webpage and mobile app, both methods showed the error message : " Were Unable to Complete Your Request Our records indicate that you dont currently have any accounts eligible for Online Banking. If you believe this is an error, please call us at XXXX XXXX XXXX ), option 3 ( TTY XXXX ). '' XX/XX/2020 : Called XXXX ( XXXX ), spoke to banker about my problem. Banker told me that he was not able to see my account on his end, and would open a case inquiry to see why my account " disappeared ''. He said BotW would get back to me in 3-4 business days. I told him that it was important for me to access my account because they took my {$5.00} opening deposit already and I wanted to use the account to receive direct deposits from work. 

XX/XX/2020 : Still haven't heard back from BotW after more than 7 business days, so I decided to file a CFPB complaint because Bank of the West stole my {$5.00} opening deposit.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I received notice my loan was being transferred from XXXX to Loan Care. I then received a bill from XXXX  mortgage. I suspected fraud because the letter from XXXX did not mention XXXX. I called XXXX. They told me I was actually one month ahead on my payments. That my XX/XX/XXXX payment would actually be my XX/XX/XXXX payment. I have sent in a payment each month this year. I was actually told I am a month ahead of schedule. I then called LoanCare and gave them my email address to contact me if there were any problems. In XX/XX/XXXX I called just to check the status and I am told I owe since XX/XX/XXXX and my mortgage is in collections. I have sent receipts of all of my payments. I need this straightened out ASAP.  By my accounting I should be one month ahead of payments. Loan Care is showing me due from XX/XX/XXXX.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (OH)

I filed for Bankruptcy in the XXXX XXXX XXXX XXXX XXXX OHIO Docket # XXXX and the accounts that were included in my bankruptcy were not removed and/ or deleted from my credit reports which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (CA)

BMO Harris Bank gave me forbearance on my loan from XXXX to XXXX of this year. They also changed loan services and gave me a new account and now the servicer is saying that I made an XXXX payment and I have a late charge of {$510.00} with in fact I made no XXXX payment. Please see attached documentation. I can not get through to anyone at the loss mitigation department and when I called the new servicer they are extremely rude and tell me that I have to speak to BMO Harris Bank about the late fee on a payment that was never made due to forbearance which is documented. They also tell me that I need to write a letter to the research department to solve the issue when this is completely their problem. I know XXXX XXXX XXXX as I worked at the XXXX in DC during the XXXX XXXX and this is something seriously wrong. I helped create the CFPB for this very reason.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIBANK, N.A. (IN)

I pay XXXX XXXX/Citibank electronically on the XXXX of every month. Citibank charged me a late fee of XXXX $ and raised an interest rate to 21.99 %. I called today and they had a prerecorded message to reverse the late fee. My concern is buying cars/motorcycles on a credit card allows the bank to raise the loan rates. This is a predatory practice and the CFPB has an outstanding record of correcting these behaviors. Why didn '' t Citibank auto-correct the issue? They want fees and access to raising the credit card, which should not be allowed for new car/motorcycle purchases.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. First XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Consumer complaint received 2023-08-22
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: American Credit Acceptance, LLC (VA)

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Im disappointed that I disputed XXXX and XXXX/XXXX XXXX  on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im disappointed that I disputed XXXX XXXX XXXX/XXXX XXXX on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in XXXX XXXX for sending a fake application to me and them not correcting my credit report by removing this account
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Forced- closed my business banking account, because of a dull check a client gave my company. We had no control over this matter and my account was marked as fraudulent ; moving forward no one from Bank of America reached out to me to solve this issue no we continue to have issues with BoA. 

They without notice closed my accounts ; due to this my other title transactions were not able to process through. I since then have been behind on my bills and expenses because of this. I do not appreciate how my business has been flagged as fraudulent if this is something we did not know about.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I reported a NOT accurate information filed on my Equifax, and XXXX credit report. I tried reaching the credit card company and Equifax and XXXX, and even when I send documentation that proof that this account was never paid late, they continue to report on my credit and this is affecting me in many ways. I send letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, nothing work. Dates associates to late payments shows XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX and them XXXX two additional late payments.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (NY)

i have made numerous ( over 50 ) attempts to contact Comerica Bank who runs the Direct Express CARD FOR DEPOSIT OF GOVERNMENT FUNDS to get a replacement card for the one i lost. I REPORTED IT LOST THE LAST WEEK OF XXXX, 2021 THROUGH AN AUTOMATED SYSTEM WHICH CARD I REQUESTED BE SENT VIA EXPEDITED MAIL. ONLY TO FIND OUT BY AUTOMATED VOICE THAT IT SAYS IT WAS MAILED WHICH THEY SAID TAKES 10 DAYS. I PAID FOR AN EXPIEDITED CARD. THERE ARE HUNDREDS OF COMPLAINTS ABOUT DIRECT EXPRESS. YOU CAN NEVER SPEAK TO A LIVE PERSON. I HAVE NO IDEA WHAT HAPPENED TO MY BALANCE WHEN I REPORTED IT LOST. I AM ALSO DUE FOR MY BENEFITS ON XX/XX/XXXX AND NO CARD TO PAY BILLS. I AM AFRAID MY CAR WILL BE REPOSSED AND I WILL BE OUT ON THE STREET. I AM ON XXXX AND HOPE YOU CAN HELP ME.
Consumer complaint received 2021-03-06
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. (CA)

Ive disputed this account before and yet it keeps coming back as meets FCRA standards but Ive provided numerous violations that XXXX XXXX has committed. Ive sent over to them numerous request for validation and theyve never responded. This has been disputed before but yet in the comment section they are supposed to mark this account as Consumer Disputes per the FCRA and which they did not and is a violation. This account has inconsistencies across all 3 credit bureaus for which XXXX  has removed it because of the inaccuracies and violations. This account even shows a {$0.00} for the high balance but yet it went to collections. This account also was submitted on XX/XX/XXXX for dispute which it has been over the 30 day mark even so the 45 day mark. As well as XXXX  this account is not marked that this account has/was disputed which is a violation and the date of last activity both differ from the credit bureaus
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I filed bankruptcy XXXX XXXX XXXX. Mortage from Wells Fargo was Discharged through Bankruptcy, per documents I have. 

Wells Fargo continued to send notices about collecting the mortgage payments, however, they refused to speak to me on the phone, citing the bankruptcy protection laws. Wells Fargo foreclosed on my home, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ in XXXX. 

In addition to foreclosing on the property originally mortgaged ( XXXX XXXX XXXX, XXXX XXXX XXXX, NJ ) owned by myself only-Wells Fargo included a XXXX XXXX XXXX which listed 5 lots ( only one owned by me and not included in the original mortgage. And included my ex husband on the paperwork. 

I believe Wells Fargo illegally foreclosed on my home and other properties ( which had nothing to do with anything ). 

Wells Fargo refused to speak with me, but continued to harass me with notices and correspondence ignoring the bankrupty protection laws.
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Accounts Management, Inc (SD)

oN XX/XX/2022 i had time to take the call from accounts management after numerous calls all day everyday.. They told me that I had a debt that was XXXX, told them that I never received any documentation stating that I had one nor have I had the chance to validate. The told me they sent the paperwork whether I got it or not is not their problem. That if i dint not agree to pay that they would have the police come to my job and arrest me. So afraid to lose job, i agreed to make vluntary of {$100.00} every payday, but I still wanted a chance to validate this debt. I have yet to receive these documents and it a year later. So i stopped the vountary garnishment got a hold of them finally and told them that I would no tpay anymore until I receive the documents I asked for so i know what I am paying and that it is my debt. When I told the that they threatened to sue me
Consumer complaint received 2022-07-10
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. (NY)

I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX  XXXX credit card for XXXX $ these are all fraudently and i never had the knowleqde or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNTRUST BANKS, INC. (AZ)

on XX/XX/2014 a sales rep by the name of XXXX from XXXX XXXX came to my address at XXXX XXXX XXXX XXXX XXXX AZ offering cheaper cost of electricity if we went XXXX.I agreed, but i was never told that I would be purchasing this solar panels the rep said it would be a lease. turns out the the Solar Panels where installed on my roof but the have never worked not even one day. the company ( Sun Trust Bank/ XXXX XXXX XXXX ) i even paid them a total of 14 months a pyment of {$110.00} every month till i felt this was really wrong.they still been harassing me sending me dept collection letters, they did big damage to my credit, Ii had called the sales rep XXXX on XX/XX/2014 to complain, he had told me that the Solar panels where going to be removed and I would be cleared its been 4 years and the issue continues. I even tried to refinance my home but I couldn't due to the collections I have with burro. I really need help to get this dept of my back im getting charge for something I never had. 
ps : the last four of my social sec # XXXX computer keeps changing it
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MN)

Hello US Bank Account # XXXX US Bank deducted {$730.00} instead of {$360.00} with check number # XXXX two times to XXXX XXXX. 
I have been contacting US bank many times but they are not helping me and not refunding my money. 
It will really help me and my family if you please help me to get my money back. i.e {$360.00} Thank you
Consumer complaint received 2022-04-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were DPEDXXXX - XXXX, DPEDXXXX  - XXXX, DPEDXXXX  - XXXX, DPEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (NC)

On XX/XX/XXXX consumer which is Me contacted American First Finance to inquire about the 1009c that was filed under my social and account number via the UNITED STATES TREASURY OFFICE. AMERICAN FIRST HAS CANCELLED THE DEBT VIA THE 1009C YET IS REPORTING DEBT AS OWED. DUE TO THE BANKRUPTCY ACT OF 1933 AND THE TRUSTEE INDENTURE ACT ALL DEBTS ARE THE RESPONSIBILTY OF THE UNITED STATED VIA TITLE 18 USC 8.

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

AMERICAN FIRST IS COMMINTING FRAUD ON CONSUMERS OF THE UNITED STATES AS THIS ACCOUNT WAS FOR HOUSEHOLD PRIMARY GOODS. AMERICAN FIRST HAS LISTED ACCOUNT AS RETAIL INSTALLEMENT AGREEMENT WHICH IS INCCORRECT AS IT WAS A CREDIT SALE PER THE LAW. 
AMERICAN FIRST HAS CHARGED THE DEBT OFF ON ITS TAX ROLE AND COLLECTED VIA THE 1099A AND 1099C. AMERICAN FIRST AND ALL PARTIES ARE COMMITTING FRAUD. 
THE CONSUMER CREDIT CONTRACT ALSO LACKS THE REQUIRED NOTICE PER THE LAW : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
( c ) Compliance with the requirement