davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (CA)

Office of Consumer Finance XX/XX/XXXX I would like to report the BMO Bank, XXXX XXXX XXXX, XXXX, CA, for ghosting me and not sending my checks as I ordered them on XX/XX/XXXX, and not giving me any kind of service or help, forcing me to move to a different bank and have lots of chaos in the process. The end result is overdraft charges by BMO for what they call an overdraft on a line of credit available for me that I did not want, nor did I ever use, but in order to close this account they are charging me {$100.00}! This is very very unfair. They were unfaithful in their contract with me. They did not send the checks that I ordered, and that I needed to continue banking there and they did not give me any reason why they werent sending checks and I kept thinking they were coming because the bank kept saying yes they should be there in a week, be patient, you should be patient, theyll be there in another week, oh the mail is delayed, wait another week and all this time, Im thinking Im going to hacked. Someone is going to use my checks, where ever they are, and Im going to look online and all my money is gon na be gone, so I changed to a different bank and this charge of {$100.00} which probably is gon na keep going up every month is really unfair and I try to talk to someone and they were not receptive. They spoke with sarcasm in their voices. 

Im very very upset about this. I dont know what to do, I know the times are bad. My XXXX XXXX XXXX account that Ive had for 24 years is a {$600.00} plus a month yet I dont have Internet. I have a very strong feeling that the Internet through XXXX XXXX XXXX is compromised on purpose in order to influence the votes as did XXXX when XXXX bought XXXX and then proceeded to interfere with all of the different voting stations that communicating on XXXX. Banks are supporting authoritarian governments around the world and now they are really sticking it to me. They are on a big pre-election money grab. The same thing happened to my XXXX  daughter and she had to pay XXXX XXXX dollars to close her account and go to a different bank. 

When I went tXXXX XXXX XXXX XXXX XXXX  XXXX to change my direct deposit to a different bank, they said that BMO has been doing this right along and several complaints have come through about that bank. 

I have demanded they close my account. Instead, they continue to text and email this message : BMO Alert : Your overdraft protection line of credit was used. For more details, sign in or call XXXX. 

Someone probably has the checks that I ordered that never arrived. 

Very concerned taxpayer, XXXX XXXX
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (ID)

I received a notice of collection related to a debt allegedly owed to XXXX, where I do not have and have never had an account. The notice was from Allied International Credit Corp., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The amount claimed was {$940.00}. Although the notice looks genuine, I 'm sure this is attempted fraud and so I am reporting it
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (VA)

Lost wallet, reported and closed card on   XXXX   XXXX   XXXX      Contacted Net spend due to amount being charged for replacing card {$10.00} Website states account can be closed and fee of {$5.00} would be charged ; check woul d be issued  XXXX  business days.   Account cancelled and check #  XXXX  processed   XXXX   XXXX   XXXX     Amount of my check : {$1500.00} Advised to wait  XXXX  business days  Time framed passed and I was advised to allow 5 extra business day for check to come.    Was told by supervisor named   XXXX   that if check was not received ; to call back and have check cancelled Check would then be cancelled and reissued in  XXXX  business days.   Called today   XXXX   XXXX   XXXX     and was told I would have to wait  XXXX  more days.   This situation has cause tremendous stress on my finances, me and my unborn child expected to arrive any day now. Please assist me on what to do.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I bought a car from XXXX XXXX on XXXX/XXXX/XXXX. The vehicle purchased was a XXXX XXXX XXXX with XXXX miles. I drove the car home and it stalled on me and was hard to restart once I made it back to my residence. Once I got it restarted it drove a bit but was hard to restart once I shut it off and tried to crank it up again. The next day it barely cranked over after numerous attempts it finally caught. I received a call from the lending bank ( Credit Acceptance Corporation ) and they wanted to verify my information before funding the deal. I did not verify my information with them because of the problems I just inherited. So I spoke with the rep for XXXX minute or less on XXXX/XXXX/XXXX. XXXX XXXX called immediately after hanging up with CAC and wanted me to call them back and verify my info and I said I could n't and was told to tell the bank I gave {$3000.00} for a down payment. However, I did no such thing. I gave XXXX XXXX a {$700.00} down payment and was scheduled to make another payment of {$500.00} for a down payment not {$3000.00}. They submitted paperwork to CAC stating I gave {$3000.00} in cash and that is a lie. CAC went through with the verification process without my consent and funded this deal and I have a account open with CAC where I am on the hook for {$18000.00}. This I found out after I took the car back to XXXX XXXX on XXXX/XXXX/XXXX and told them I did not want the car because of the issues I had the first day taking it home. They told they would look at it and fix it but I told them do n't bother I do n't want the car anymore because the deal was not completed ( verified by the bank and I ). XXXX XXXX lied about the down payment I gave, CAC accepted the lie and I am told I am stuck with the product of a fraudulent deal.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (CA)

I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency Credit Management XXXX on XX/XX/2022. On XX/XX/2022 I was notified by XXXX XXXX XXXX that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to XXXX showing the bill had been paid. I also contacted Credit Management on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to XXXX XXXX XXXX.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. 
On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. 
XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. 
HSBCs vendor is their problem -- HSBC is responsible for paying my bills. 
Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. 
Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. 
I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (TX)

Total Visa at XXXX XXXX XXXX XXXX XXXX, SD XXXX refuses to acknowledge or honor the new law passed on XX/XX/XXXX regarding late fees being capped at {$8.00}. I was charged a {$41.00} late fee on XX/XX/XXXX when my due date is on the XXXX of every month. I made payment on XX/XX/XXXX or XXXX this month - definitely BEFORE the due date. 
Additionally, I requested my account to be permanently closed between XXXX and XXXX XXXX. I told them via mailed letter that I was having financial hardship and their fees are too much - expensive monthly fee and expensive late fees, as well as the interest. I told them I have been having financial hardship every since my XXXX daughter XXXX XXXXXXXX XXXX XX/XX/XXXX, but they continue charging all sorts of fees every month that make it extremely difficult to pay off my balance, and my limit is only {$300.00}, but they are not helping me conclude this relationship at all!!! My balance could have been paid off long ago if they wouldn't keep adding these fees every month - I'm drowning, and they could care less. 
It looks like that after XX/XX/XXXX they are choosing to break the law. I called them this morning and had a conversation with them and I mailed a letter today which included the article from CFPB, dated XX/XX/XXXX, proving the new law because they act like they weren't aware. I alerted them that I am complaining about their business practices to CFPB. 
I need help dealing with them and getting out of this relationship once and for all. Thank you in advance!
Consumer complaint received 2022-02-15
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. (PA)

XXXX XXXX XXXX Experian XXXX Account Type : Account Type - Detail : XXXX Installment account XXXX XXXX XXXX Experian Installment High Credit : XXXX {$12000.00} XXXX {$12000.00} Experian : 0 Last Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ExperianXX/XX/XXXX Times 30/60/90 days late XXXX 0/0/0 XXXX XXXX ( different on different sites ) Experian XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.
Consumer complaint received 2020-10-19
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. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXX DONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS**** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$8.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows  Payment History reported consecutively as NEGATIVE in XXXX XXXX ; XX/XX/XXXX ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XXXX ; 30 days late payment in XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; Including XXXX and XX/XX/XXXXyear reported Negative A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-08-16
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (MD)

In XXXX XXXX I accepted an online loan offer from CashnetUSA for {$1400.00}. I 've repaid them more than 4 times the amount I borrowed. In the meantime I learned that ''payday '' loans were banned in Maryland as of XXXX XXXX. Can I stop collection?
Consumer complaint received 2019-02-26
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

In XX/XX/XXXX, I began paying back my student loan. This loan was later purchased by Nelnet. I continued making regular payments on this loan, and I began making larger payments to retire this debt. On XX/XX/XXXX, I called Nelnet to inquire the exact amount needed to close and payoff the loan in its entirety. Based upon that phone call, on XX/XX/XXXX, I made a final payment on this loan, the balance was made {$0.00}. I specifically asked them to send me a written letter confirming that I do not have any further balance. 
I called back in early XXXX and inXX/XX/XXXX. Both times, I was advised that I would receive this letter within 60 days. I still have not received any written proof from Nelnet that my account is closed and this student loan is paid off. In using the website, Nelnet indicates there is a " {$0.00} '' balance, and no payment is due and owing. But they refused to send me a letter so that in the future, there can be no doubt about this situation. I also contacted the Credit Reporting Agency in XX/XX/XXXX to determine whether any negative mark was made against my credit. I am waiting for a response. I am filing this complaint because Nelnet refuses to respond to reasonable request for written proof that my account has been paid in full.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC. (MO)

XXXX balance of {$85.00} is showing open in a credit report review. I have a certified letter receipt ( just found after MUCH searching ) from USPS showing I mailed ck XXXX XXXX/XXXX/13 to NCO Financial Systems Inc ( Collection agency ). Apparently they did n't get the information/funds to XXXX. How do I dispute this now? ( account XXXX )
Consumer complaint received 2017-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

ON  X/XX/2017    I WENT INTO INSTALOAN TO TAKE A LOAN OUT USING MY CAR. I WAS NOT TOLD THAT MY RATE WOULD BE AT 65.1994 PERCENT. I DID NOT EVEN GIVEN PAPERWORK UNTIL  X/XX/2017    REGARDING ANY INFORMATION ON MY LOAN OR RATES. I HAVE TRIED TO TALK TO THEM ABOUT IT AND THEY WILL NOT GIVE ME ANY INFORMATION AND MY PAYMENTS I HAVE MADE IS NOT EVEN HELPING MY LOAN KEEPS GOING UP. I WAS IN THE HOSPITAL WHEN PAYMENT WAS DUE I CALLED AND SPOKE WITH A MANAGER WHOM TOLD ME THAT MAKING MY PAYMENT LATE WOULD NOT HURT ME DO BEING BEING IN ICU. WHEN I WENT IN THAT IS WHEN I FOUND OUT THEY CHARGED ME MORE AND WHAT MY RATE WAS AT 65.1994 PERCENT. I DO NOT THINK THAT THIS IS LEGAL AND WOULD LIKE ANSWERS HOW TO HAVE THIS CHANGED. ALSO LIKE TO ADD THEY MADE ME BACK DATE AND SIGN PAPERWORK WHEN I WENT IN ON  X/XX/2017
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have two unortherized inquiries on my Transunion credit report i need help with removing soon as possible by law 15 usc i have the right to get those inquiries removed. The two unortherized inquiries on my Transunion credit report are from XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-10-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I began making bi-weekly mortgage payments on XXXX/XXXX/XXXX. I was told that my mortgage would be paid off earlier my making my payments this way. I was thinking that my principal would decrease when I made a payment but did not realize until recently that the principal on my home loan did not decrease until I made the second mortgage payment. For example, on XXXX/XXXX/XXXX, I made a mortgage payment and my principal balance was {$110000.00}. I made another mortgage payment on XXXX/XXXX/XXXX, but my principal remained at {$110000.00}. My principal did not decrease until I made a payment on XXXX/XXXX/XXXX. This pattern continues until XXXX, and still exists. I believe this is an unfair practice and requesting that Wells Fargo be required ( retroactively ) to decrease my principal whenever I make a mortgage payment. 

Payment Payment Principal Date Amount Owed XXXX/XXXX/XXXX {$870.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00}
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KS)

Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made
Consumer complaint received 2019-02-26
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.