davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (VA)

Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX va, set up with direct payments to Bridecrest Financial, first scheduled car payment of XXXX did go though on XX/XX/XXXX and clear the my checking account. i received phone call from Brigdecrest on XX/XX/XXXX after i canceled a XXXX extended warranty and GAP insurance that there was problem with the down payment of XXXX dollars and a block was placed on the debt card, i called XXXX XXXX and the rep claimed since it was a large payment of XXXX it was declined but could recharge, i called Bridecrest the rep explained i would need a letter from XXXX XXXX Bank Manager stating it was the bank fault, i called XXXX XXXX since no branches were opened due to covid 19 and the rep said send the reason it was declined off the online banking statement which i did and put the charge back though, Bridgecrest would not except and claimed i was in default of the contract terms for the down payment which i could have reinstated that day, Brigdecrest denied any further payments which i offered to pay more per month I asked how can this be adjusted or worked out the rep explained it can't and won't we are going to repo the car, i tried everything in my power to correct the situation and they offered no resolution on this matter the car was repossessed on XX/XX/XXXX and the rep claimed it would be a contract rewind and wouldn't show up on my credit report, a week later showed up as repo on all three credit reports and can't get another car loan, i have not received any notification from Bridecrest on this matter and have called Bridgecrest many times they claim it takes time remove from credit report. on XX/XX/XXXX spoke with Bridecrest collection and the car is being sold at auction and i will be responsible for any balance left over, i was never notified from Bridgecrest that they intended to auction off this isn't the first case of this happening though Brigdecrest over 1000 complaints to XXXX of misleading contracts, this company needs to be investigated by VA states attorney 's office
Consumer complaint received 2019-05-29
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. (NJ)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2022-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (CA)

I have suffered a horrible experience. 
XXXX. I had to sign for title twice XXXX. The delay resulted in a higher rate XXXX. I still do not have access to my funds XXXX. I paid exorbitant and predatory fees for a prime loan XXXX. Poor response times
Consumer complaint received 2021-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

Veteran was declared 100 % XXXX and the City treasures office returned personal property tax to LoanDepot to be returned to me. I have been trying since XXXX to get back money which is owed me. Instead of paying me the full amount they have been sending me amounts less than and making excuses about the money returned being lost ect. I said I was going to file a complaint with CFPB if I had not recieved my money by XXXX XXXX They said they sent me a check dated XXXX XXXX  XXXX which I have not seen as of XXXX XXXX XXXX. Based on past history of lies and deceit from this company I feel their word is no good. Original letter for real estate tax exemption sent to LoanDepot on XXXXXX/XX/2021. City treasures issued check back to them on XXXXXX/XX/2021. Check was deposited by them on XXXXXX/XX/2021. I have had to repeatedly call them in hope of getting my money
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

I have lost income and had to move twice due to XXXX XXXX. I was not able to pay my credit card bills because of this. I called and asked for help. I was told the only option they have is a payment plan, but I have to pay the day I sign up. Since then I have been repeatedly called and harassed by American Express, receive threatening emails informing me my credit will be ruined, and they have even called my mother at her home in another state. Just today I received a threatening email informing me they will be reporting me to the credit bureaus. I pay my bills normally but because of XXXX  XXXX, I be had to move ( roommates became unemployed ) and I lost part of my income. This treatment is vile. They know and they just want to hurt people.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX reported to lates on my credit account and none of them are correct. XXXX lates were reported on XXXX and XX/XX/XXXX and XXXX in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Consumer complaint received 2021-11-05
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. (MD)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2020-07-20
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. (MA)

I have held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with XXXX. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with Experian and called XXXX to find out why there was a negative report on my account. I got a run around from, purchasing some items while in XXXX in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in XXXX or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but XXXX declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against XXXX for the wrongful negative report as there was a charge after I paid up my account. I do not owe XXXX XXXX any amount and wish the negative report lifted from my account as it is erroneous.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had questions about my TransUnion credit report ( through XXXX XXXX XXXX ), and the customer service rep advised me to pull my free annual credit report through TransUnion 's website. 

I pulled my free report through TransUnion, then noticed a charge from them on my credit card. I checked my email, and they had, without my consent, signed me up for a monthly credit reporting subscription service with a {$25.00} fee. They had me input my credit card number when I made an account and requested my free report - no where in that process was I asked, or did I authorize, to sign up for a cost-based subscription to be billed to that card. There is also no ( or at least no clearly visible ) way to cancel this subscription online, and thus you must cancel by phone. 

I called TransUnion and had the service cancelled, and will be filing a billing dispute with XXXX XXXX. TransUnion, as one of three credit reporting agencies in the U.S., should not be able to scam American citizens.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I am applying for a loan with Chase Bank ( XXXX XXXX XXXX XXXX XXXX OH XXXX ). I am buying a second home to live near my parents. Chase agreed to lock in my loan at 2.5 % with 20 % down and told me I was qualified. 

The loan officer said underwriting has questions regarding why I was buying another home nearby my current second home. I explained that this new home has a yard and is a single story. After multiple emails and calls, Chase finally gets back to me right before the close of escrow stating they will only offer me a loan at 30 % down and at a much higher rate of 3.375 %. 

I believe this was unscrupulous of the bank to entice me with a lower loan amount and then delay any correspondence until near the end of escrow with a much less favorable loan. 

My loan officer was XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I recently traded in a Nissan automobile and purchased a new one. During the trade in / paperwork transition the company billed me and deducted a payment from my checking account on the vehicle I traded in. It was in the amount of {$740.00}. They told me on XX/XX/2020 that they would mail me a refund for the overpayment of the above amount. To this day I have yet to receive my refund. I have made numerous calls to Nissan Finance in XXXX Texas and been told various stories. I have been told they sent me a check on XX/XX/XXXX, ( I never received it ). I have complained and asked for my money which is long overdue. I feel they are fraudulently withholding my money. I get a different person each time I call. I have been told they are sending me my check via XXXX overnight, Ive been told another check was sent XX/XX/XXXX and XX/XX/XXXX. I am beyond frustrated and feel the company is being deceitful. This is the fourth Nissan I have purchased and financed with Nissan Finance. They have my address. There is no reason for this to continue.
Consumer complaint received 2020-07-20
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: World Omni Financial Corp. (FL)

Southeast Toyota Finance company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NE)

Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

To Whom It May Concern, I was a loyal XXXX customer for over 12 years having a one time, 10 lines on the account. Despite being laid-off twice, I never, ever fell behind on a single payment ( or any other account for that matter ). Due to XXXX  poor service and overcharges, we began cancelling lines in XX/XX/XXXX with the last line being cancelled on or about XX/XX/XXXX. I asked several times starting in XXXX, if there was a balance and was told no. We closed in good standing with our autopay on XX/XX/XXXX. On XX/XX/XXXX, we had another auto-pay of {$110.00} ( after the account had been closed ). This charge was for the wrong device ( XXXX XXXX ) on line ( XXXX XXXX XXXX which had a fully-paid XXXX XXXX. Statement shows {$0.00} balance. 

For background, I did purchase a XXXX XXXX with a off promotion exclusively for line XXXX XXXX XXXX XXXX. The device was paid in full in XX/XX/XXXX, but XXXX continued to charge as if it were regular price. XXXX actually over-charged me {$240.00}. When XXXX called me, I explained the situation but they still sent me to collections. This is a scam by XXXX. 

I received a call from XXXX XXXX and a letter for them dated XX/XX/XXXX, for an amount of {$140.00}. I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. 

I received a call from XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$440.00}. I explained the situation, and that I disputed the charge. Never heard back from them. 

Then, I received a call from XXXX XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$150.00}. Again, I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. On or about XX/XX/XXXX, XXXX had the charge listed on my credit report. 

I once again dispute this charge and I am confident this charge is in error. I am requesting debt validation with a full payment history, copy of all notes on the account, and why the charge mysteriously appeared over 3 months after I announced that I was cancelling service and almost 2 months after the account was closed. 

I further request to have the collection account promptly removed from my credit report. 

Thank you. 


XXXX XXXX
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (WA)

I financed a load through BMW Financial services. When I made my first load payment they had me send the payment to XXXX, AZ. I expected this transaction to take several days to complete, after five days the transaction was not complete so I called BMW FS but got no good answers. I called them again after 6 days and was told my payment had to be transferred to XXXX since it was too large of an amount for XXXX to handle. During this transfer and handling time ( about 6 days ) I was being charged {$2.00} a day ( according to BMW FS ). I  complained to BMW FS to no avail. They only said payment over {$10000.00} had to go to XXXX, but that is not documented on there payment document they send out. I do not think I should be charged interest on the amount that is due to their poor money management policy.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We stopped making payments due to COVID in XXXX of XXXX. We started to make payments again in XXXX of XXXX. We have repeatedly asked for a deferral of our payments to be added at the end of the loan. We have applied for their assistance program twice. Each time they give us the same numbers where they want us to pay double our mortgage payment. We can not financially make those payments. We are asking the payments we owe be deferred to the end of the loan. They are unwilling to work with us knowing we can not make double payments. We are in fear of losing our home.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I had made payment on cc like I always do all my bills at once which is the XXXX of the month n I post date the ones thats not due then the bill was due XXXX XXXX on the XXXX I got a email said my bill was due I paid the bill 1000 dollars the next month 500 dollars but they saying my bill was due even tho my account said I had paid it on the XXXX XXXX XXXX never missed a payment before I had two bank America credit card one I had never used n owed 6000 on the other paying over the amount that was due so I talk with at least six ppl that day trying to find out what was going on no one knew a week later I received a letter stating my cc that I never used was closed n the other card the available amount was lowed the percentage rate on the one I used was much lower than the one hadnt used the reason on the paper I received didnt make since I had money n the bank to cover my payment n the other cc I have had no balance n to just change it like that n having been a customer for 30 years I would like to know whats the problem
Consumer complaint received 2024-02-22
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. (GA)

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 2022-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

ALLIED COLLECTION SERV Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX This company has never notified me of any debt owed. I have never had any communication with this company by any method. If I didnt check my credit report I would have never known about this. Also it appears that this company has been adding to this debt $ XXXX every XXXX weeks to my report only.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

I got a home loan on XX/XX/XXXX, and my loan was sold to Specialized Loan Servicing, LLC in XX/XX/XXXX. A couple months later I recieved a notice that my taxes weren't being paid and were late. I called the company to get it taken care of, couldn't get anyone but they said on a recorded message to send them the bill and it would be paid. Fast forward a couple months and I get a notification that my insurance had lapsed and I needed new or they would be buying me insurance. I scrambled to get new insurance and thought it was fixed. Now they are trying to bill me for the time that the insurance was lapsed, even though I paid my bill and they had it in escrow, they just chose not to pay it. When I called they tell me they didn't get a bill and our insurance didn't know they were our servicer but my wife called to update that with the company, and I never knew anything about it until it was already lapsed. Their response was that they can legally charge me because I didn't have coverage. How am I supposed to know if they are paying it every month or letting it lapse so they can conveniently provide me with their coverage for the time it was lapsed? Clearly deceptive practices, or at the least incompetence. They should be covering the cost of the " extra '' insurance since it's their fault it wasn't paid.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NJ)

I have a child support card. The card number was stolen and {$3000.00} in multiple charges made out of state were done on the card. I have attempted to call the company to get charges reversed no luck. The company has had me on hold for over a total of 5 hours over the past few days and all I get is put on hold again until it either hangs up or I can't wait anymore. This a Reg E issue and they should be refunding me the money on my card, I need this to support my family. This process should not be this difficult you can find many stories online and the state of NJ is doing nothing to stop this horrible customer service and violations of Reg E.