davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

End of lease return for XXXX XXXX was due XX/XX/XXXX around XX/XX/XXXX, I noticed online terms said 3 year XXXX mile, but the contract we signed and executed said XXXX miles. I contacted XXXX immediately ( via chat ), and they said I would have to discuss with dealership. 
XX/XX/XXXX, we returned the car to the dealership ( XXXX XXXX ) and they said they would look into it. 
XX/XX/XXXX XXXX XXXX from XXXX XXXX said I needed to submit the final liability statement to him and that he had received approval from XXXX to credit us for half the over mileage fee ( car had XXXX miles ). 
XX/XX/XXXX I responded stating that half did not make sense to me. I signed a XXXX lease agreement, why should I pay for mileage I didn't agree to. This was for my daughter while in college ( 5.5 hours a way ) and we knew she would need more than XXXX miles. In fact, we bought an all-inclusive warranty product through XXXX that went through XXXX miles. 
XX/XX/XXXX XXXX responded with documents from the point of sale ( typical car dealership notes on paper ) saying XXXX was agreed upon. I had already discussed with him in person that we discussed both options in the initial sales discussions. He could not produce an executed contract that showed XXXX miles. 
Around XX/XX/XXXX, I received a call from the original salesperson asking what I intended to do with the car. Now I am really confused ... I emailed XXXX and the general manager asking what was going on again? 
I followed up two more times ( XXXX and XXXX ) wanting to know what was going on? I started receiving collection calls from XXXX finance. 
XXXX, XXXX XXXX, the general manager responded to my email saying the lease was returned and grounded and any remainder in balance would be sent to me by XXXX XXXX. 
XX/XX/XXXX, I received my final liability statement. It now includes the entire mileage overage charge of {$1300.00} ( XXXX miles ) and is due on XXXX. I am being charged for mileage I paid for through the lease contract. In addition, the process of " turning the car in '' was unclear, not efficient, and took way too long. I feel as though turning the car in is a bad thing and they want to use the initial contract to force me into another XXXX product. That was the very first question I was asked when I told them about my contract issue. It seems very deceptive and unfair for the consumer.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

XX/XX/2018, Equifax received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible XXXX  violation in that theyve directly sent me a copy of medical records but there is no proof of a XXXX release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, Equifax did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXXr statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did Equifax when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Concluding, Equifax did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (GA)

On XX/XX/2021 I elected to close my Heath Care Savings Account ( HSA ) with Optum Bank. The account with Optum was established when I was working with a former employer. 

I wanted to move the funds to XXXX XXXX where I currently have an HSA account. 

To start the process, I called Optum Bank and ask for directions and they told me to contact the XXXX XXXX and start the process. 

XXXX XXXX contacted me today about the transfer and I learned that the process has not been completed. 

Calls were made ( three ) to Optum Bank to determine what the issue ( s ) were and I learned that the paperwork was not received, XXXX XXXX sent the paperwork over within a few days of receiving my competed paperwork. 

I then reached out to XXXX with the fax number and an Email to resubmit the paperwork.
Consumer complaint received 2021-07-08
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. (IL)

Cares Act of XXXX CoVid-19 Good Will Late Payment Removal Request Name- XXXX XXXX DOB- XX/XX/XXXX Last 4 Of SSN- XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number- XXXX Opened- XX/XX/XXXX Secured Card XX/XX/XXXX To Whom It May Concern At The Office of The CEO XXXX XXXX XXXX  XXXX Corporate Office Thank you for taking the time to read this letter. Im writing, because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my XXXX XXXX  account XXXX. 

I want you to know that I understand my financial obligations, and if it werent for me being affected by a job loss due to COVID-19, Id have an excellent payment record. I made a mistake in falling behind, but since then I have gained another place of employment and I have caught up with my payments this XXXX. 

According to the Cares Act of XXXX, If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I am fully exercising my consumer rights under the Cares Act of XXXX and I am requesting that my XXXX XXXX  Account with account number XXXX, be updated with all 3 of the major credit reporting agencies as paid and full and never late according to the provisions of the Cares Act 2020 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I have a spotless record of on-time payments since this late payment occurred. Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late that occurred in XX/XX/XXXX from my XXXX XXXX  XXXX under Cares Act XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Thank you for your consideration, and I hope youll approve my request. 
Warm Regards, XXXX
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

To whom it may concern - I am writing to ask for help with my primary mortgage company, Nationstar Mortgage LLC, dba Mr Cooper. I have one major issue with this organization that I have been trying to get cleared up for over a year now, with no success. In addition I also have concerns regarding how this mortgage was re-financed back in XXXX. 

With regard to the current issue, this organization has been incorrectly claiming that I am behind with my mortgage payments and that has been applied to my credit report, with a result of my credit rating going down significantly. In XXXX, XXXX, I contacted my credit union XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) when I realized that my account did not have enough funds to cover the check I had sent to cover my XX/XX/XXXX mortgage payment to Mr Cooper. I asked the XXXX XXXX to cover the check while I moved money into the account, and they verbally agreed to cover the check. They did not cover the check however and it was returned to Mr Cooper. Mr Cooper did not send the check back to me but presented it again to my XXXX XXXX despite telling me that they would not re-present the check. The check was cashed but Mr. Cooper did not apply the funds to my account but instead put the funds into a holding account. These funds are still in this account and have not been applied to my account. Ever since they have been reporting my account as in arrears and have been applying late charges every month. I have tried talking with them but they refuse to credit my account or to remove the false late charges. I contacted the MN Atty General 's office to help but all they were able to get from Mr Cooper was that they would remove the charges and fees if I could provide written proof that I had talked with my XXXX XXXX, which of course I can't. Can you please help me get these false charges removed from my credit report and from my account? I do not see how they can hold my money without crediting it to my account. This has kept me from re-financing this awful mortgage with another more reputable company. 

With regards to the XXXX re-financing issue, in XXXX I was trying to modify my SECOND mortgage as it was due to mature. I was told by my then FIRST mortgage lender that I HAD to modify my first mortgage at the same time I was not given a choice in the matter, despite not wanting modify the first mortgage. When the papers were presented I found that my payment terms had gone from a 30 year product to a 40 year product, and that the monthly payments were hardly different.
Consumer complaint received 2019-06-10
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. (ID)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a student. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my payments.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I had a payment due on Sunday, XX/XX/XXXX. This payment was made on time. With my traveling and my records, I paid the statement date on time as well - but American Express has their records as having it been received on XXXX at XXXX. My records show a debit on XXXX - which would not have been made with a payment that day. In American Express 's records and in my records, we are dealing with a discrepancy of 16-20 hours, or one day. The interest charge is XXXX. I am asking for it to be waived as a one time courtesy. I pay thousands of dollars in annual fees - and there appear to be some error. Front line support agrees but can only credit {$200.00} - they are refusing to waive the rest of it. If there's an error - and we're already agreeing to waive {$200.00} of the {$320.00} - why can we not credit the rest of it? I've asked for escalation, and chat supervisors are refusing to do it - saying they can't with their policies - so I am submitting this complaint hoping the right person reads it and can fix the issue appropriately. I am appreciative and thankful for your consideration.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Every since XX/XX/2019, I have been writing and sending my personal information to XXXX & Trans Union to receive my free credit reports as date I javent received any of my credit reports.
Consumer complaint received 2018-07-25
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. (FL)

complaint XXXX about XXXX  - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically Experian XXXX is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. Experian is reporting old/inaccurate information
Consumer complaint received 2017-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

During the buying processing of a home under construction, we applied to Wells Fargo for a small loan ( {$20000.00} to {$30000.00} ) and was told we would have to pursue an unsecured loan until the home was completed and we actually owned it. We were approved for the unsecured loan, but the actual percentage was higher than what was originally quoted. 

After the home was completed, we then applied for the line of credit loan, again quoted one percentage rate, but first had to have an inspection. The initial bank response was that it would most likely be a `` drive by '' inspection because we were asking for {$50000.00} max for a {$300000.00} plus home. In approximately 2-3 weeks later an inspector came by for a walk through. One week later, we were told that the walk through was n't good enough and that we had to have a full inspection. A couple of weeks after the inspector came through. We were finally approved for a line of credit loan, again at a higher rate than originally quoted. During this time frame, we were paying a very high interest for an unsecured loan. We feel that Wells Fargo intentionally prolonged the processing time in order to collect additional interest on the unsecured loan. 

After the the line of credit was approved and due to the very frustrating process that we encountered, we proceeded to work with another bank and secured a line of credit within four weeks. We paid off the original line of credit amount with Wells Fargo. 

Because we paid the loan off before a three year period, we were told we would have to pay an additional {$300.00} if we closed the account.. We elected to leave the account open. We just received a bill for {$75.00} for the first year period because we were maintaining an account with a XXXX balance. We were told that we would have to pay this amount each year for 3 three years because the account was still opened with a XXXX balance
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One blocks access to the budgeting and financial planning app XXXX ( XXXX ). I 've used my secure access code when attempting to set up the service and it has been verified as correct, but I am being told by XXXX that Capital One is blocking their access to my account. There is no setting that I can change on my checking account, nor is there a written policy I have found that explains why this app would be blocked without my permission.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (GA)

PNC Bank has made put delinquent remarks on my credit report for the months of XXXX XXXX for an auto loan that was refinanced with XXXX XXXX in XX/XX/XXXX. Through information gathering, XXXX XXXX informed me they sent PNC a payoff at that time in XXXX, but PNC mistakenly applied my payoff check to a different client 's account and sent them an overage check of XXXX. PNC then sent me an intent to repossess my vehicle in XX/XX/XXXX even though they knew that had made this grave mistake. As a result of the delinquent marks, my credit score has gone down by 80 points. Now that the account has been closed, it has been restored somewhat but no where near what it should be over XXXX. 


Thank you. 
XXXX XXXX
Consumer complaint received 2021-05-03
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. (TX)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I am reporting a violation of the F.T.C. Fair Debt Reporting Act.title 616.this collection agency is reporting information of Debt of $ XXXX.with the knowledge of it beening false. Lvnv Funding account # ending inXXXX has as of XX/XX/2019.has re-reported this 3 years old Internal Revenue Service filed as of XX/XX/XXXX XXXX.1099-c form was sent by certified mail to Lvnv Funding, copys was sent to C.F.P.B.with complaint ID # XXXX on XXXX for reporting this.
Consumer complaint received 2021-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have been blocked from uploading documents on the my Equifax dispute website and when I call them they are rude and don't wish to help. Also, transferred me to XXXX Equifax so that I don't rate their service.
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I received an unsolicited offer from American Express Company ( " Amex '' ) to apply for a new Gold   Delta SkyMiles credit card ( Delta card ). The terms of the offer provided that 60,000 Bonus Miles were to be earned after making {$2000.00} in purchases on the new Card within the first 3 months, and a {$50.00} statement credit after making a Delta purchase with the new Card within first 3 months. The offer was valid until XX/XX/2019. 

I submitted an on-line application for this Delta card, which was promptly approved given my excellent credit rating and an impeccable payment history with Amex for the last several decades. I was notified of the approval by a letter dated XX/XX/2019 from Amex ( copy attached ) on the basis that I applied.

As I timely fulfilled all the requirements for the Bonus Miles and the {$50.00} statement credit, I contacted Amex on XX/XX/19, about the status of reflecting these miles and the credit on my account. I was advised that the advertised bonus offer was not being honored by AMEX in spite of my having met all the offer requirements, but that the matter would be investigated further ( case # XXXX ). In a subsequent chat with an Amex representative on XX/XX/2019 ( reference # XXXX ), I was informed that I was ineligible for this promotion even though I was never previously so notified or advised. The stated reason for this decision, notwithstanding the fact that the new credit card was already approved, was the reported existence of my other Amex credit cards, which limitation was never previously disclosed to me. 

This is a classic example of a bait-and-switch perpetrated by Amex.