davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
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. (VA)

I leased a vehicle with XXXX XXXX XXXX in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my Transunion XXXX only XXXX credit report from XXXX ( 4 ) and XXXX ( 4 ) dropping my score XXXX points. I called XXXX who told me I had always prepaid and never had any missed payments, so I filed a dispute with Transunion on XXXX XXXX. By XXXX XXXX I received a letter from Transunion that XXXX provided them all documentation and XXXX removed the erroneous information. I never received an explanation of how someone goes backwards 1 1/2 years and adds inaccurate information though I do believe it was the gentlemen I upset XXXX XXXX who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again XXXX reported all the same erroneous information that was just resolved. I contacted Transunion and they verified that XXXX once again did the same thing on a closed account that XXXX just removed from the account. The Transunion women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call XXXX on my behalf. I truly believe XXXX has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called XXXX, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score XXXX points and I feel this is going to continue happening over and over again. Please help me.
Consumer complaint received 2017-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I 'm filling a complaint against bank of America I had some temporary credits issued to my bank account because of a problem with my cell phone provider and they were not able to resolve my dispute and had to reverse the temporary credits on XXXX XXXX 2017 and I called them a week before asking them to give me an extension till the XX/XX/XXXX which is when I get paid I get paid every 2 weeks from my employer and I usually need this money to survive on again I asked them to extend things to the XX/XX/XXXX and then on Friday XX/XX/XXXX I went to go have some lunch and went to pay with my card since I had just got paid only to have it be declined I looked at my account online and saw that money was taken out by bank of America for the temporary credit reversal I called them and they told me that my extension had been denied so I asked them to return the money cause again I need that to survive on for 2 weeks until my next payday I was never notified of the denial they lead me to believe that it went through I want bank of America to return what they basically stole from me I make very little from my employer I want this agency to help me out and since I 'm from Massachusetts and yes which is represented by senator XXXX XXXX the founder of this agency I figured they can help me out
Consumer complaint received 2019-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

I enrolled in banking offer with a promise of {$700.00} when setting $ XXXX of direct deposit and keeping $ XXXX in savings for 90 days. 

I was committed to using account but still had auto pays such as for home loans from other outside accounts. I was promised that I would be able to use XXXX to transfer to my other bank. 

I did this without any issue the first two months. This last month a few days before 90 day seasoning period my checking account was blocked from XXXX transfers. I was only given option to do so from savings. I made the transfers I needed completed over 15 day period. It did not come to my mind that these XXXX transfers were exceeding a limit and the online site never disclosed prior to the transfer that you are about to go over a monthly transfer limit. All I knew is I needed to make transfers and they were not giving the option to do so out of my checking. 

As luck would have it this triggered {$45.00} in fees which placed my account just under $ 10k so as to disqualify me from {$300.00} portion of the $ XXXX  days before reaching 90 day threshold. Conveniently fees were reversed and representative I spoke to for over an hour on the phone assured me that you will not be penalized against offer as your average daily balance is over this. From my perspective it was they who blocked the checking for reasons beyond my control and in a busy 15 day stretch I had transfer using my savings to pay my mortgage and other creditors. 

Of course they will not take responsibility for their error to block the checking and allow savings. If this was about a security concern then XXXX should have blocked from all accounts. I feel unscrupulous lead to the block in an effort to create the fees that would lead to the account to fall just below $ 10k days before it would qualify for added {$300.00}. 

Please help correct this matter with BMOHarris Bank in XXXX.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

In XXXX XXXX 2014 I was living with my cousin at the time and she got some cable. I didnt know she used my information to get the cable. Now a collection agency is asking for money from me that I dont even owe. They told me to call all these numbers but every number I called sent me to someone else and I got the runaway. I want to know what I need to do to get this taken care of.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have three Credit Cards with Capital One and have been having issues since XX/XX/XXXX with my online services. Anytime you open an new account ( credit card, savings, auto, etc. ) online you are required to create a new user ID and password. I have never had a problem with this because you can combined the user accesses into one login, until now. I have contacted Capital One over five times and have gone into the branch to try and resolve this. They can not  combined user access only the customer can. I have made several complaints but absolutely no one is contacting me. I have to be the one to call capital one and check on my status. This is getting old. Today I called again to inquire about it and they informed me there was noting they could do after being on the phone for over an hour. I asked to speak with someone else and they put me on hold and then they hung up on me. The customer service is some of the worst I have ever dealt with. This case was first opened on XX/XX/XXXX escalated on XX/XX/XXXX.  My ticket number that they are working on is XXXX. Also, another reason I want to combined user accesses is because I am trying to combined my two business credit cards into one. They both have an annual fee on them and if I get charged the fee on both then I am going to be very upset especially since I have been trying to resolve this issue for several months.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

My wife died. XX/XX/XXXX. Spoke with Wells Fargo estate care center by phone, given case number, instructed to see banker at local branch with death certificate to close account. It took over a month for a banker to return the call. Appointment was made on XX/XX/XXXX for XX/XX/XXXX, XXXX XXXX, told to ask for XXXX. Arrived at XXXX XXXX, a bilinqual employee was speaking to someone in XXXX, a XXXX customer tried to get his attention and she spoke to him in a rude manner. He finally acknowledged me and acted like I was an XXXX when I told him that I had an appointment. Says that XXXX isn't there and that they do not close bank accounts for the deceased there and walks off. I call the estate care center again to tell them what is happening and she is just as dumbfounded as I am. She asks if there are other bankers on duty, which I replied that they didn't say. By then a female employee is standing there while I am speaking on the phone, so I ask her if there are other bankers on duty. She says that there are two. The estate care center suggests that I try another branch, the employee overhears this and says that the other branch is not open. I mention that I'm going to file a complaint, then the bank employee says that she would see if a banker would help me. She came back and said that the bankers were with customers, and to give them ten minutes, After 15 minutes, for a total of fifty minutes, I left. A very inconfident, rude and XXXX staff. Been banking there for twenty-five years and I don't even feel comfortable stepping foot in their parking lot again.
Consumer complaint received 2017-11-14
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: DISCOVER BANK (OH)

Discover Bank inquiry from XX/XX/XXXX Discover Bank inquiry from XX/XX/XXXX Discover Banks inquiry from XX/XX/XXXX These inquiries were not authorized by me on my XXXX report. I already attempted to inform and advise the agencies and the bureaus to remove these inquiries to no avail. Please help.
Consumer complaint received 2017-11-14
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: PNC Bank N.A. (IN)

TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH PNC MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM PNC TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM PNC MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!
Consumer complaint received 2017-11-14
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. (TX)

I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to  place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month. 
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days. 
Its XX/XX/XXXX and I have not received the statements. 
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (TX)

PHOENIX FINANCIAL SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX is being reported as a new acct. every month for $ XXXX. 

This same company is reporting a payment of at least {$1.00} every month when NO payment has been made. 

I do not know who this company is or what alleged debt they say I owe. 

Because of their unscrupulous activities, my credit score keeps going down!
Consumer complaint received 2017-11-14
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)

I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2017-11-14
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. (AZ)

I am a victim of identity theft : The following hard inquiries listed on my Experian, XXXX and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (IN)

DATE : XX/XX/2017 Amount : {$10000.00} Sitauation : Sister searching for used car, loan was supposed to be {$9000.00} total, but due to aggressive sales tactics, my Mother and Sister agreed to have the warranty put onto the loan, which I would have avised against. 

Approximately 2 weeks after buying the car, my Mother and Sister read an article about the car they had just purchased, a XXXX, was having a recall due to frequent transmission failures on the vehicle. My Sister then tried to use the warranty she had purchased to return the car free of charge to be given a replacement transmission. This request was denied. 

Issue 1 : XXXX XXXX XXXX knowingly sold a car currently under recall to consumers, and sold a faulty warranty to these consumers, offering no protection. 

Issue 2 : XXXX XXXX XXXX ( XXXX, IN ) requested auto loans to 6 different credit agencies, causing 6 different credit checks to be place on my sister 's and my credit reports. Acourding to XXXX my credit dropped 45 points because of the incident. If I, the cosigner, would have known 6 hits on my credit were to happen, I would have applied for the loan myself in my own name at my own bank. This is careless, and quite frankly, willingly ignorant for a company to take this action.
Please help.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (MI)

I fell behind on my payments in XX/XX/XXXX. I never signed anything and simply asked for a payment holiday. They put me in forbearance and changed the term of my loan. It is an installment loan with a fixed interest rate. It originated XX/XX/XXXX with a monthly payment of XXXX. I had missed three months of payments but now I am current as far as making 25 payments of XXXX. They say I owe interest from being late and made my monthly payment XXXX even after catching up with my monthly installments. They want me to pay over XXXX dollars more than what was agreed too. I simply want the old scheduled payment back to what we agreed too. I have already told them I will not make a higher payment since I never agreed to a higher payment in writing.
Consumer complaint received 2024-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC (OK)

In approximately XXXX XXXX XXXX  I contacted my lender to request an extension or modification to my car loan. I had a death in my immediate family that caused me to miss a lot of work. This was a very hard time for me, and I was not ok. My lender told me that I could have an extension only after a payment was made. I agreed, not knowing my husband would lose his job within a month. I communicated and begged for help. I was always told we cant help until you make a payment. All the while I am getting further behind. We then had another tragedy in my family, XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. I am still constantly communicating and sending every dime possible to American Credit Acceptance. I never intended to get behind, and honestly feel that if they had been more helpful during my initial calls this situation would be different. I tried to refinance my loan with a local community bank as well as a credit union. I was unable to do so because of my XXXX. When I purchased this car I was desperate. My cars motor blew ( it was a XXXX, and had a recall because of the motors but mine was just over the mileage requirements ), leaving me with no vehicle. I live in a very rural low income area with almost XXXX job market so I drive a considerable amount just to get to work. XXXX had a car with not too high of miles within my payment rangethey arranged financing, and didnt require a down payment. After the fact I find out that they did basically 200 % of the value on a massive interest rate for over XXXX  years. 98 % of my payment goes to interest, and I will end up paying over XXXX for a XXXX car. So Im stuck in a horrible situation. I continue paying as much as possible, and paid approximately XXXX from XXXX to XXXX, and was finally able to get a payment agreementI thought. They verbally agreed, and then agreed in writing, but never sent the papers that they require be signed. I requested the paperwork multiple times and got nothing. I kept calling, and was told well, you didnt send back the signed paperwork, and can only get a new arrangement if you pay. Its infuriating. I have also read hundreds of reviews from other borrowers with the same problem. This company preys on people who need auto loans but dont have the best credit.
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (CA)

On XXXX XXXX, 2021 I notified Bridgecrest that they open loans without my knowledge or authorization. I informed them that I was a victim of Identity theft. I received a letter from Bridgecrest on XXXX the XXXX, 2021 requesting police report, notarized identity theft affidavit, government issued ID and my social security card. I sent certified a letter on XXXX XXXX, 2021 with all the information Bridgecrest asked for. I received the same letter from them on XXXX XXXX, 2021 requesting the same documents. I sent another certified letter on XXXX XXXX, 2021 with police report, notarized identity theft affidavit, government issued ID and my social security card. I have not received a release of liability for the fraudulent account. I will be certifying and sending all the documents to Bridgecrest on XXXX XXXX, 2021.