davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX my balance with Bank of America was XXXX ..... 
They were going to transfer my money into a checking account and the money disappeared. 
They closed my account and didn't respond to my numerous calls to find and replace my funds... 
To the best of my knowledge the money disappeared on XX/XX/XXXX Bank of America in XXXX Arizona on XXXX XXXX.
Consumer complaint received 2019-09-09
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. (CT)

XXXX is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX  services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (PA)

Consumer portfolio services is the loan lender. I purchased this car from XXXX XXXX in 2016. When getting car repaired a few months after purchasing, mechanic informed me that my car was rusted and will continue to do so ( inside out ). He stated car had to be in previous accident or in water and car shouldn't have been resold to anyone. I called the car dealer. Car dealership did not give me all the paperwork regarding the car even though i asked for it at time of purchased. company stated they forgot to mention that car was being driven as a rental car in Virginia and had previous accidents. However my car fax did not report that. Since then, dealership has not sent paperwork or any requested documents since. They told me to call the car loan holder. I made a complaint to Consumer portfolio and gave my written statement. I was told i would be reimbursed by the balance  on my car lowered, i would get a new car under a new loan and/or receive a check for the difference. Since then the case has not been settled i have still been paying but get frustrated as i am seeing the things going on with my car due to its previous problems i was not aware of or told before purchasing. My credit report is being affected by their errors and i have to keep disputing the debt as they are not updating information correctly. since i have been sending inquiries and complaining more i notice they keep giving credit companies false information.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (CA)

I had a emergency my mom passed I needed a loan to help with services and this company I borrowed {$1000.00},, XXXX every two weeks and what ever your balance they added a finance charge of XXXX every time you make a payment so you would be able to pay loan down and I didnt understand this process so on XX/XX/2019 I got laid off my job I ask this company can I please be placed in a payment plan because I dont have income and I dont want anything negative on me so I am asking to be place on a plan they said they dont have a plan and I have to make away and pay the note every two weeks or the finance fee will continue till you 60 days late and it will become a charge off and you  will have a negative impact on your self I couldnt believe they wouldnt help the customer its not my fault that a company laid off the entire department, I am looking and going on interviews I am so stressed trying and hoping I get a job soon, I can not pay these people what they want! All I ask is for a payment plan and my other creditors offered me a payment plan and its so much better till I get back on my feet,, please help this is terrible.
Consumer complaint received 2022-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

XXXX XXXXXXXX credit card was not opened by my or authorized by me I have submitted my identity theft report number with the CFPB and the police report case number to the company and to the major credit reporting agencies and this still remains on my report after numerous disputes and phone calls to both the company and the bureaus I need this removed IMMEDIATELY it is affecting my business credit and personal credit scores IMMENSELY and have suffered compounding problems and fees from this and not to mention the loss of available credit for me and my my business
Consumer complaint received 2019-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I sustained major damage to my property as a result of a tropical storm in 2017. I had to restore the roof on the commercial property and Wells Fargo was fully aware of the property damage. I have a letter in which they clearly state that they would grant me a 3 month grace period to allow me time to repair the property after the storm. They now claim they have no proof of allowing me the opportunity to do so by way of the grace period. As a result, they foreclosed on the property based on falsehoods. They should be investigated as I can produce the document which counters their claim of not being aware a request for grace period when the action was actually voluntary of their behalf. 
I also think that Wells Fargo falsely charged my account for insurance that I have always carried.
Consumer complaint received 2023-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

On XX/XX/XXXX, I entered repayment for my student loan with FirstMark Services ( bought from XXXX XXXX ) and according to the repayment letter sent to me on this date, my first payment for the loan was due XX/XX/XXXX. I payed my first payment ahead of time on XX/XX/XXXX and my statement that I received on XX/XX/XXXX stated that I had {$0.00} due for my XX/XX/XXXX due date. I have made every payment required for me since. 

On XX/XX/XXXX - almost XXXX years after I entered repayment, I received a letter stating that I entered repayment, which is odd considering I had started making payments almost XXXX years ago. It said the effective date was XX/XX/XXXX, my minimum required payment increased by about $ XXXX ( not a whole lot in the grand scheme of the monthly payment ) and that the effective date was XX/XX/XXXX. On the same day, I got another letter stating that my account was past due for {$800.00}. When I called into FirstMark to understand why I was getting a past due amount when I have records of making every single payment on-time and all my statements prove of this- they said this was from a XX/XX/XXXX payment that I apparently missed. I said that this was false and my first payment was due on XX/XX/XXXX and that this was an error and that this past due amount needs to be adjusted to be {$0.00} since I have made every single payment on-time. 

I contacted them over XXXX weeks ago regarding this issue and the issue still has not been addressed. I paid the past due amount out of fears that this will be reported to credit agencies when this was an error on their end, but still have not had any resolution. I dont think it is legal either for a company to say XXXX years later that you missed a payment when their statements to the customer say otherwise.
Consumer complaint received 2022-04-06
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. (TX)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc. (ME)

The Thomas Agency debt collected for XXXX XXXX XXXX XXXX. I am in the United States XXXX XXXX at the time that this debt accrued. I have full medical and dental coverage. I wasnt in Maine at all during this time.
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I keep receiving phone calls for a company called Portfolio Recovery. They have called numerous times, and they always use a different phone number. They never leave a message, and I do not answer these calls since I do not recognize the numbers. These are some of their numbers : XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX  CDT on XX/XX/18 XXXX, called at XXXX XXXX CDT on XX/XX/18 XXXX, called at XXXX CDT on XX/XX/18
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX Has reached out via email. They are a predatory agency who has bought bad debt ( meaning not valid ). I've told them in writing to not email again on XX/XX/XXXX and they've emailed again this morning XX/XX/XXXX.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (NC)

IT'S BEEN 3 YEARS AND NO ONE IS ABLE TO PULL MY EQUIFAX REPORT. I CAN NOT CREATE AN ONLINE ACCOUNT TO LOGIN TO VIEW MY EQUIFAX. I HAVE CALLED AT MINIMUM 40 TIMES TO EQUIFAX TO GET THIS PROBLEM FIXED AND THEY TELL ME THERE IS NO PROBLEM. THERE IS NO CREDIT FREEZE OR FRAUD ALERT ON MY ACCOUNT PER EQUIFAX. WHAT THE XXXX IS GOING ON? I HAVE GONE BACK AND FORTH WITH LENDERS AND EQUIFAX AND HAVE USED THE SUGGESTED ADDRESSES AND NAMES THAT THEY TELL ME TO WHEN PULLING. HOW DOES THIS GET FIXED? I AM ON THE VERGE OF SUING EQUIFAX FOR DAMAGES. THIS HAS BEEN FAR TOO LONG AND UNACCEPTABLE. THERE IS SOMETHING IN YOUR SYSTEM PREVENTING THIS.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (PA)

On XXXX, i requested a 10 day payoff figure from Hyundai finance for my automobile. A week later, having received no response, i contacted them again. On both occasions, they requested the last four digits of my SS # as well as my birth date to ensure I was the correct party. Instead, they sent me a secured message that provided me with the information for XXXX XXXX XXXX XXXX of XXXX XXXX, Ca.First, this is an unauthorized disclosure to me by Hyundai ; but, now I wonder whether or not they in fact sent my information to some other party making for another disclosure. 
The amazing part is they also asked for my e-mail. So, i do not comprehend how they made such a foul up. 
After receiving this incorrect information, I did call again and ask for a supervisor who really didn't seem concerned that this occurred.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (VA)

I have contacted both XXXX and Nelnet regarding this issue.

XXXX  conducted an investigation and despite verifying that they received false information from Nelnet on accounts that have been closed for over 8 years, they refuse to remove them from my credit report.

Furthermore, Nelnet continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now.

Both XXXX and Nelnet are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both.

The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to XXXX '', or " talk to Nelnet '', which I have done - repeatedly - with no resolve.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX XXXX orders from XXXX, the fast food restaurant, my order was then canceled as their own menu on their website had items they weren't serving at the time. Despite them canceling my order, me calling XXXX, who they use to deliver which called both the restaurant who did not answer and corporate who did not answer, and then submitting a request for a refund I was not refunded. I also placed a ticket via their own website asking for a refund and to date have not been refunded. I did not get my items, or anything I paid for, by no fault or choice of my own, and numerous attempts to contact XXXX have seemingly failed. I want my money now.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Case # XXXX Amount {$660.00} Purchase Date : XX/XX/2019 Capital One Card Services One XX/XX/2019, I booked a flight on XXXX XXXX ( Ref : XXXX ) to XXXX. Shortly after, I received a jury duty notice. I contacted XXXX to identify if there was a policy to resolve extenuating circumstances as I was no longer able to receive the service paid for. They notified me they would not refund me nor waive rebooking fees, they would provide no relief, therefore I was out {$660.00} due to their draconian policies. Never in my communication, did I request that they cancel my flight. 
Not long after ( within 2-3 weeks ), I noticed that my flight was completely cancelled with no communication from the airline whatsoever. The flight was no longer in my account nor could it be searched for. For some reason, now not only did I not have my flight that I could not cancel but could rebook, I had nothing. XXXX took it upon themselves to cancel my flight and resell my seat without request from me, providing me no services and no merchandise for the {$660.00} paid. 
I disputed this transaction but as of XX/XX/2019, but Capital One rebilled me as apparently there was an issue with my dispute even though I received nothing in return for my payment to XXXX and they breached their carrier agreement. Capital One states that XXXX XXXX provided proof of their cancellation policy. Once again, however, I never requested a cancellation as at very least I could have done a name change on the ticket or booked it for a future date. I now have no flight on XX/XX/XXXX, nor an ability to rebook. 
I contacted capital one on XX/XX/2019 for assistance and was told that the matter was resolved due to Norwegians response. 
I dispute this charge and request a 100 % refund as XXXX has not provided the service agreed in any shape whatsoever, including the ability to rebook and cancelled my seat without request. No service has been rendered or merchandise provided, and they have breached agreement. Should this charge be held, I will contact the CFPB for relief beyond what has been currently ( or not ) provided. 
Never in writing nor via any form of communication did I ask XXXX to cancel my flight, however, the flight was cancelled without request nor did they correspond with me in any manner to inform me of such. 

I have attached proof that my seat no longer exists including : -original receipt showing booking number -proof there are no bookings on my account -proof that you can not search the XXXX   website for my booking ( it has been deleted )
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/2013 a undisclosed amount was taken from my account. The bank allowed my payroll check from my employer to be reversed without notifying me to make sure it was no fraudulent activities which it was. The bank failed to secure my money and told me theres nothing they can do and Im basically XXXX out. I dont think its ok that my account should be in the negative because the bank neglected my account. Please can someone help me because my employer lied after I quit my job because he was upset that I left stating that now he doesnt think I deserve my check from XXXX XXXX XXXX At XXXX XXXX XXXX XXXX ny XXXX. I was scammed from both the bank my old employer and his payroll company. The bank saids that have nothing to do with it but they do when I signed a contract with them to protect my money.
Consumer complaint received 2023-03-24
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reportsXXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}
Consumer complaint received 2024-02-27
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. (CA)

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.

has violated my rights. Or a list of inquiries : 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 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (VA)

I was in XXXX XXXX XXXX XXXX XXXX 2019, with my granddaughter and attempted to pay for a taxi with my credit card from Barclay. The driver could not get the charge to go through and I ultimately paid him with cash as I did for all subsequent cab rides during that trip. Those rides averaged $ 15- {$20.00} each, paid in cash. The credit card company charged me {$180.00} for a single cab expenditure. Barclay asked me to provide them a receipt, which I did not get since I paid cash. Barclay can not provide a signature from me for this charge, since there was no transaction. Barclay has now denied my dispute and I have again appealed to them but have heard nothing and the charge is still on my statement.