davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Total Auto Finance (VA)

Starting XXXX of XXXX when I bought the car they told me nothing was wrong with it even though the check engine light was on. I was told to call the bank I bought the car through and speak with them about insurance mind you I have full coverage insurance on the car however they told me that I would have to pay for repairs out of pocket even with full coverage and extended warranty on the car. The car has not been driven in 4 months now due to the severe mechanical issues the motor is having its unsafe to drive. The bank has called / email or texted me every day of the month telling me I need to make my car payment. I explained I would be late on a payment and theyd advised me that they couldnt help me anymore because Ive threatened them with a lawyer. However I have asked them and told them along with blocking many numbers and emails from them for the harassment every single day all hours of the day and night. They told me I was 11 days pass due for my payment and said I need to make a payment or they would repossess my car which is illegal my contact says I have to be a full 30 days behind and that I have 72 hours after that to make the outstanding balance or my car would be confiscated. Im not sure what else to do but I advised them to stop the threats and harassment or I would file a lawsuit as the car is in the middle of a lawsuit ( XX/XX/XXXX ) for auto fraud and warrant in debt for my name being forged on a paper I never signed or received and them harassing me nor wanting to fix the car even with insurance or warranty. A bank should not be able to call, message or email me all hours of the day and night from many different numbers or tell me I have to make my payments through XXXX or XX/XX/XXXX. I have tried to arrange something with this bank for lower car payments or refinancing the car as I have had it 10 months and theyve denied me any help. After theyve already threatened to repossess my car 2 times ( I have evidence ) when I want a full 30 days behind.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I submitted an extremely thoroughly done dispute with the USAA bank over a jewelry purchase. Over the next week and a half the bank pretended everything was kosher, until the finally decided that they would not help. I have massive amounts of evidence.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-09
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)

Transunion not properly doing investigation. XXXX account was previously disputed and removed from credit report due to inaccuracy. Transunion allowed them to rereport and will not remove account
Consumer complaint received 2019-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that my mortgage is increasing by {$74.00} per mom after an escrow analysis was done. The letter informed me that the increase is effective on XX/XX/XXXX. I immediately called XXXXhe servicing company XXXX  number listed on the letter and was greeted by a young lady by the name of XXXX ID number XXXX who explained that since the letter was dated XX/XX/XXXX that there is nothing she could do to assist me in extending the effective date even though I was only notified 19 days prior. I asked her why nothing could be done, She told me that since I didnt seem to like her answer that I could with call Lakeview the Finance company or speak with her manager. She transferred me to a woman who claimed to be a manager by the name of XXXX ID number XXXX who stated that because the letter was dated XX/XX/XXXX theres nothing she could do to help me. She placed me on hold and came back and said that the letter was available to me online under my account on XX/XX/XXXX. I then asked her to confirm for me when they received my XXXX mortgage payment thats made online every month, she stated on XX/XX/XXXX. I asked her then how am I supposed to know as a first time homebuyer to look for such a letter AFTER Ive already made my XXXX payment, that I access my account when its time to make a payment and at that time there was no letter there. She then offered to transfer me to an escalation line. I asked if I would have to explain all this to yet another person, XXXX assured me that she would warm transfer me so that she could let the person who answered know what was going on. After being on hold a few minutes a person greeted me by the name of XXXX ID XXXX, she had no knowledge of what was going on and stated that no one told her that a call was being transferred to her so I had to explain all over again and to no avail I got nowhere with her. She stated that all she could do was waive a late fee if I needed to pay late. I explained to her how hard Ive worked on my credit, that my payments are always early for that very reason, that what Im asking is for a proper 30 day notice that a XX/XX/XXXX effective date would be fair ... she was no help AT ALL. I am now forced to try to figure out how I will be able to come up with the rest of the funds for this increase. The amount may not seem like much to most but to a single Mother, it means a great deal.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a credit card with Bank of America. My credit card was paid off, but they continued to withdraw {$250.00} each month out of checking account totaling {$1500.00}. 

Bank of America has assured me that they would be sending me my money back to no avail. Initially they said they would sending the money via check to my mailing address. When I didn't receive the check, I called again. They assured me once more they would send the funds back to my checking account, but have not received them. 

I have communicated with 6 different agents and each time, I am told that the funds would be resent. Please note that this situation has been going on since XX/XX/2019.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WINN LAW GROUP, APC (CA)

All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( XXXX XXXX ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC. (CA)

I went to XXXX on XX/XX/2019 to see what personal loan offers were available for me, to consolidate some debt that I had with XXXX, Lightstream, and my credit card company. I put in all of my relevant information ( name, address, annual income ) and was presented some offers. Lightstream came up as the top offer, with a 6.49 % APR. I selected this offer by clicking " continue '' I was sent to Lightstream 's application page, filled out all of the appropriate information, and was notified that my application was being processed.

I was contacted that same day by a representative, who asked more questions about the purpose of the loan. I explained the three sources that would be consolidated. At that point the representative stated that it's a Lightstream policy not to re-finance their own loans. There was no reference of this policy anywhere in the application process. The representative stated that we could try for a lower amount, so we went ahead and excluded the Lightstream loan amount that I wanted to re-finance. At that point ( same day ), I received another email asking for additional documentation ( paystub ) which was used to verify my income. After verification, the representative told me I was being offered a 9.39 % APR, to match the one with my existing Lightstream loan. They said that if I could get a better rate somewhere else, they would match it, but that's it. At this point they had done a hard credit pull, which lowered my FICO  score by 54 points. I no longer qualify for prime lenders to make competitive rates, and would be locked in to only accept Lightstream 's offer.

I consider this to be unfair, deceptive, and abusive practices. If this bait-and-switch hadn't been designed, I would have applied through other lenders that I would have been a good candidate for, before my FICO was lowered ( e.g. XXXX and XXXX ).
Consumer complaint received 2019-06-17
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. (AZ)

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2019-06-14
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. (PA)

I requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help me.
Consumer complaint received 2019-06-14
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. (CO)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-06-14
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. (CO)

Equifax and XXXX   are incorrectly reporting me as an Authorized User on XXXX/XXXX  partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is  harming my credit score.
Consumer complaint received 2023-05-09
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

There was a promotional offer provided with XXXX ( through Synchrony ) - offer pasted below. I made five qualifying purchases within this period and registered each one to ensure that the credits would be received. I have received three statement credits, but I am still missing two. I have tried to chat with the company five times and they keep telling me they have escalated it, are looking into it, or someone will contact me and nothing is done. I don't know if they have pulled this with other cardholders also, but I believe I needed to submit this so it doesn't happen to anyone else. I am currently waiting on the last two credits for {$75.00} ( total of {$150.00} ). I asked them to clarify I would receive them. They said I should receive a credit. I worded it asking to answer yes, that I will receive a statement credit. They didn't want to answer definitively " yes '' and then backpedaled when I explained I would be submitting a complaint. 

EARN UP TO $ XXXX paid as a statement credit when you make a single receipt, online or in-store purchase with your XXXX XXXX XXXX at a participating location. There is no limit to the number of statement credits you can earn during the promotion period, but you need to register for each statement credit to receive the credit. 
XX/XX/XXXX - XX/XX/2018 {$50.00} BACK on purchases of $ XXXX {$740.00} {$75.00} BACK on purchases of $ XXXX {$1400.00} {$100.00} BACK on purchases of $ XXXX HERE 'S HOW : 1. REGISTER by visiting www.XXXX or by calling XXXX no later than XX/XX/2018. 
2. USE your XXXX XXXX XXXX on any single receipt, online or in-store purchase XX/XX/XXXX - XX/XX/2018 at a participating XXXX XXXX   location or online. 
3. EARN up to {$100.00} back in the form of a statement credit. 

DON'T FORGET : You must register for each statement credit to be eligible to earn the statement credit.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XX/XX/XXXX, I went to Citizens Bank to make a {$310.00} withdrawal. The teller told me I was preapproved for a credit card but I declined the card repeatedly and told the teller I just want to get my money and leave. While there, I also realized that I didn't update my address. I told the teller my new address and then asked for my money. When I was trying to sign for my money and leave, I realized that I was signing up for a credit card because the statement read, " I authorize signing up for this credit card ''. I told the teller that I know how to read and it was dishonest of them to try to make me sign up for a credit card when all I want is my money. I refused to sign and told them I was only going to sign for my money, I signed for my money and left. A few days later I noticed on my mobile app that I had a new credit card on my line. I called the citizens bank toll free number and talked to a representative that said that the card was created the same day I went to the bank. ( I thought it was a fraud transaction but it ended up being that teller ). I also found out that the teller didn't change my address as I asked them to. The representative told me a credit card was coming to my old address. I told the representative to cancel the card and send a new card to my new address and I asked them to change my address. They changed the address and sent me a new card to that address. When I got the credit card, I realized it isn't even a type of credit card that I would want. Since then, I've talked to Citizens bank and they are working to change the type of credit card since removing the credit card completely would negatively impact my credit score but I think it is despicable to open a credit card without someone's authorization. If you check, I never signed for the credit card. You can not issue someone a credit card without their permission and without their signature. The employee engaged in fraudulent behavior just to get some sort of commission and I think that's unfair. Citizens bank has stood with the employee and everyone I talked to is calling this an accident or an oversight but I know this is deliberate. XXXX CITIZENS BANK. YOU CAN'T TREAT YOU CUSTOMERS LIKE THIS. I WANT AN APOLOGY FROM THE EMPLOYEE AND I ALSO PLAN ON CLOSING MY ACCOUNT. PLEASE DO SOMETHING TO CURB THIS UNFAIR PRACTICE.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Debt recovery co. Enhanced Recovery filed false claim, I spoke with co. they claimed I owe and that co. has no unpaid bills under my name plus I never lived at address they have on file. I filed a complaint last year with your guys about same acct against XXXX XXXX, both of these co 's have multiple complaints from consumers about these co 's filing false claims under fake accts to extort payments. They claim I owe {$440.00} and sent negative report to my credit report on XX/XX/19 and XX/XX/19.
Consumer complaint received 2019-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOWNEBANK (MD)

Monarch Mortgage company fabricated mortgage closing documents years after closing settlement and amended my Deed of Trust years after the fact. Although, I refused to sign or amend any documents that were omitted during closing. Their response is that I signed a Power of Attorney document. ( false ) The POA would have been valid to conclude settlement documents and when Monarch held my loan. Instead Monarch, XXXX  XXXX XXXX and XXXX XXXX added forged documents to the Deed of Trust years after settlement without my consent and/or signature/initials.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-09
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.