davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
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. (NC)

I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address
Consumer complaint received 2021-11-09
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. (NC)

The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name open sky also known has capital bank has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations
Consumer complaint received 2020-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

My wife and I opened a joint checking account on XX/XX/XXXX with our gift money from our recent wedding. The personal banker said that my wife was eligible for the current promotion since she was a new customer ( XXXX, Offer 1 Get a {$400.00} bonus for completing the following activities with your new checking account in the first 150 days, Offer 2 Get a {$200.00} bonus for opening a Platinum Money Market account, depositing at least $ XXX in new money and keeping it for 90 days, Offer 3 Get an additional {$100.00} bonus when you complete the requirements for Offers 1 and 2 ). 

We asked if opening a joint account would still qualify, since I was a current account holder. The banker said that she would still qualify for the promotion, so we deposited all of our savings with XXXX. He asked us if we would like to open a credit card, which would provide an additional incentive. We declined, and he light-heartedly told a coworker that he was giving us {$700.00}, and he tried to give us more ( with the credit card offer ), but we didnt want it. I believe he acted in good faith and sincerely thought that we met the eligibility requirements. 

We lived paycheck to paycheck for several months to keep enough money in the money market account, signed up to directly deposit our paychecks in the checking account, enrolled in online banking, and began paying bills online in order to meet the requirements of the promotions. After meeting the requirements for Offer # 2, we received the {$200.00} promotion. 

However, after meeting the requirements for Offer # 1 and Offer # 3, we did not receive the {$500.00} bonuses. I sent an email through the online banking system on XX/XX/XXXX requesting a status and did not receive a response. I called customer service four times, and after the fourth call, they said that my wife was not eligible for the promotion, because the account was a joint account with an existing account holder. I explained what the personal banker told us, and customer service said that we could talk with the banker at the branch, and he could override the error. When I went to the branch, the personal banker had been transferred to another branch. One of the other bankers gave me his phone number, and I left a message for him and was ignored. 

I would like your help in remedying a situation where a personal banker made a promise that the corporate headquarters is refusing to honor. Because the banker was not knowledgeable about a promotions terms is not a reason to punish a customer. This is an unethical practice and a form of deception.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (MD)

I have been making the monthly payments as scheduled for a little over a year. I recently pulled my credit report and discovered the amount owed has not decreased at all. I called the company to inquire why the balance isn't reducing. I was informed the amount of the interest accrued was more than the monthly payment amount. I stated the company set the payment amount which should include a certain amount of interest and an certain amount of principle being paid monthly. The representative stated we had a 6 % interest rate on the loan amount. I stated regardless the interest rate, the monthly payment was setup buy lender and should include payments towards the interest and principle. When I asked for a copy of my signed contract I was informed the signed contract was on the website when I logged into my account. I looked at the entire site there is no signed contract on the website. According the site I have 999 payments to go, which is 83.25 years to pay off a {$44000.00} dollar loan. There is no transparency on how much interest was accrued on the site.
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (MO)

Received a debt collection notice from Consumer Collection Management , Inc in regards to a small medical bill which had already been paid. Sent a dispute letter to the collection agency indicating that I disputed the debt on the grounds that it was already paid.

Collection agency responded that the debt was still being actively collected. Agency furnished an undated statement of account which they allege was the result of their verification of debt performed pursuant to 151692g ( b ).

As the statement of account is undated, it can not be used as verification. Furthermore the statement contained numerous errors. Collection agency failed to perform a thorough review to identify these errors. As such, the agency did not in fact comply with 151692g ( b ).

The purpose of this complaint is to lodge grievance against Consumer Collection Management for failure to perform a reasonable verification of debt as required by 151692g ( b ).
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (AZ)

Discover Personal Loans made an on-line loan in the amount of {$20000.00} to a person using my identity. Reviewing my credit report, I see that they are showing it delinquent and dadding on additional charges. I did not file this application, I did not authorize this loan and I have been notifying them since the end of XXXX that it is not me. 
Discover has indicated that they are investigating, but in the mean time their negative references are affecting my credit.
Consumer complaint received 2020-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TN)

My student loans were ASSUMED by AES from XXXX XXXX in XX/XX/XXXX. The balance was ~ {$28000.00}. I pay {$220.00} each month regardless of what the 'balance due / minimum payment ' request is. The amount due is typically between {$50.00} and {$75.00}. I have made this payment each month since XX/XX/XXXX MINUS the two years I went back for my XXXX and 2 years of personal illness. Taking into account interest accruals +/- monthly payments, lets say my balance went up to {$31000.00}. 
XX/XX/XXXX-XX/XX/XXXX = 17 years 17 years - 4 years deferred status = 13 years 13 years x 12 months per year = 156 months 156 months x {$220.00} = {$35000.00} MY BALANCE TODAY IS {$22000.00} Can someone check my math? I have a XXXX XXXX but I can not calculate this so that it makes sense?
Consumer complaint received 2020-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that Credit Acceptance ( the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with Credit Acceptance Corporation for my monthly car payments to be withdrawn automatically on the XXXX day of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken on the XX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by Credit Acceptance Corporation and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on the XXXX XXXX XXXX XXXXr but WAS successfully withdrawn by Credit Acceptance Corporation on XX/XX/2018 which made the payment for XX/XX/2018 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

I sent a check to Chase Card Service, my check was from my account with XXXX. I received my monthly cedit union statement which shows that the check cleared my account. I called Chase credit card service to make sure that my account was up do date and i asked them what was the amounts that they received from me for the last 3 payments. I was told that they never received my check for {$100.00} dates XX/XX/19. I told the Chase Bank representative that my check cleared the credit union XX/XX/19. I was told by a Chase Bank representative to go to the credite union, get a copy of the back and the front of the check which i allegedly sent to Chase Bank. Chase Bank gave me a credit of the {$100.00}, they said that they would do an investigation on their end. I went to the XXXX  on XX/XX/19, one of the XXXX representatives gave me a copy of the front of the check, bowever she was unable to give me a copy of the back of the check. The XXXX representative also gave me a XXXX   tranaction letter with the XXXX letterhead which shows that check was cashed by Chase Credit card services. I faxed all of the XXXX documents on XX/XX/19. I called Chase Bank XX/XX/19 to inform them of the letters which i faxed to them. I also explained to Chase Bank that the XXXX representative was unable to give me a copy of the back of the check. A Chase bank supervisor told me that they still need a copy of the back of the check to verify that the check was sent, and that they need to see the information on the back of the check. I became upset, i told why do i need to keep running back to XXXX, i told the Chase bank representative that someone from their company cashed my check because you can clearly see that it went through my credit union bank. I do not believe that Chase bank managers so not believe anything that i told them about the check chich i sent them. They dis not inform me about the documents which i faxed to them to verify that the check cleared my account. At this point i feel like if i was not an XXXX XXXX, they would not be giving me such difficulty. Someone from Chase bank cashed the check which i sent to them on XX/XX/19. I believe that they are doing any sort of investigation on their part. It is my belief that some sort of fraudlent activity is going on with Chase Credit Card service. I am asking you if you can please help me, i am very sad that all of this is going on. I do not feel like i am a valued customer and i have done everything that was asked of me by chase, however they still continue to believe that i dis not send a chexk to thwm last month.
Consumer complaint received 2023-04-03
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. (NY)

A XXXX XXXX XXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX XXXX and let them know and they said they would take action to get this removed from my credit report. I also called Experian and they said they would do the same.
Consumer complaint received 2021-06-07
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 (CA)

I have deposited approx {$450.00} into an ATM machine belonging to Bank of America in order to put money balance on my credit card. 
The ATM swallowed my money, and the bank refuses to give it back saying itll take 2 billing cycles. 
The bank refuses to give me a temporary credit and refuses to resolve this matter immediately basically holding my money hostage even though it was not my fault
Consumer complaint received 2020-01-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2019-03-16
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 (VA)

On XXXX XX/XX/2019 I overpaid my Bank of America credit card account by {$27000.00}. On XXXX XXXX I discovered this and contacted B of A asking for a refund to my XXXX Bank account ( where the funds had originated ). I was told it would take 3 - 5 business days. On the 5th day I contacted B of A asking where was the refund. I was told it might really be 7 - 10 business days. Other phone calls have indicated it might be 10 - 14 or 14 - 21 days. I kept being told that the delay was because of the large amount of money involved. I have made at least six phone calls, all with lengthy time spent on " hold. '' On XXXX XXXX I received a letter from B of A dated XXXX XXXX that stated that the funds had been transferred to my checking account. When the funds had not turned up by the 11th, I called and was told it may take several days to " clear through your bank. '' My bank says they process immediately -- no delay. 
On XXXX XXXX the funds have still not been returned. Now I am told by a " supervisor '' at B of A that they refund accounts using XXXX as the intermediary party and XXXX had been given the funds on the XXXX. Obviously the letter was false. 
Now they say 30 business days from the XXXX, meaning this could be the middle of XXXX. These are electronic transfers from bank to bank. I can not believe it could take over two months to move $ XXXX from B of A to XXXX. This is ridiculous and unethical, maybe illegal. 
The credit balance B of A held in my credit card account was far in excess of my balance owed, yet now they want to charge me late fees.
Consumer complaint received 2021-05-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (TN)

I sent Santander consumer USA a right to rescind affidavit pursuant to 15 USC 1635 on XXXX rescinding the consumer credit transaction between the legal fiction and their company. The rescind was within the proper timeframe that federal law provides, which explains I can rescind any transaction before the third business day at midnight as long as I had intentions to do so. My intent to rescind before the third business day of the transaction was certified on the XXXX of XXXX which was the third business day of the transaction, see Cfpb receipts # XXXX. The company did respond to my affidavit but never rebutted the affidavit point for point under the penalty of perjury pursuant to 12 CFR 1102.33 ... according to 15 USC 1635 ( b ) ... 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. 

Next Santander sends me a bill with many fdcpa violations. First the contract was rescinded within the proper time. So any bills are fictitious instruments to collect on a rescinded transaction. Again a affidavit was sent addressing the fdcpa violations which under federal law a affidavit has to be rebutted point by point pursuant to. Again Santander failed to rebutt my affidavit point by point within the allotted 30 days. Notice of defaults with opportunity to cure were sent for both affidavits that they never rebutted. 
Santander has completely ignored both my affidavits, and proceeded to send me a notice threatening me with repossession and further damaging my consumer credit report. I sent Santander an estoppel by acquiescence regarding the account # XXXX For failure to properly respond/ failure to rebut either of the affidavits Point for point within 30 days. 
Ive seeked a declaratory judgement through notary public. If this account isnt handled properly I will take the matter to federal court.
Consumer complaint received 2020-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo XXXX XXXX on my Truck for the XX/XX/07 payment raising my payment to XXXX I could not afford that the Payment was due XX/XX/2007 you had a repo man come get the truck on XX/XX/2007 and I called you on XX/XX/2007. You have the truck over 90 days before the sale of it. Thats wrong. You owe me for that. Where is the XXXX extended warrenty you cashed out missing on the paper work. Why did you all take XXXX out of my bank after a debit transaction at the XXXX XXXX wells fargo atm for XXXX The very next morning you hit my debit card again for XXXX wells Fargo rewards. 
It took a week to get my money back and visa 6 months to review the ordeal you people are crule I WANT OUTSIDE ARBIRTRATION and or a refund I am owed.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

I signed up for XXXX  low income internet. I was approved and a few months later we moved. I called XXXX to let them know I was moving my service and a technician came to my new place and installed a regular XXXX internet box with regular XXXX services and I had no idea until I received the bill. I called XXXX  and let them know I had the low income free school internet and no one could ever get this resolved. I want this immediately removed from my credit reports until XXXX  can come up with a better solution. This is not my fault. Even when I called XXXX  to get my service changed they transferred me to the XXXX  access department.
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I made a check deposit into my bmo account. The check was made out to me and XXXX. I deposited the check with only my signature not noing I needed XXXX signature but they excited the check. ( bank, teller error ) I was pulling money from the account just fine until I decided to withdraw a large amount. Thats when the bank manager of the bmo Harris bank told me the problem. She said that she put a hold on my account. What now I asked? She said she need a endorsement from XXXX before she can release my funds. I then got on the phone with XXXX XXXX. XXXX said that they can't do nothing unless its the original check from my insurance Company and wasn't willing to do anything to help me. I then informed Bmo Harris Manager and she said the there is nothing she can do. That she couldn't return the original check because it have already been deposited and I can't get my funds for 10 years.

This have caused me to lose my Company to close down my employees to quit because u couldn't pay them and cause me to get behind in bills ( financial lose because of this bank error ) My name is XXXX XXXX my phone number is XXXX