davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PNC Bank N.A. (NC)

On Friday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, XXXX to test drive a XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The XXXX XXXX was listed on XXXX as a diesel vehicle, and XXXX XXXX XXXX salesman XXXX XXXX said, explicitly, that the vehicle was a diesel during the test drive. He pointed to the " XXXX XXXX '' badge on the exterior of the vehicle as he said this. After a test drive I opted to purchase the vehicle for {$23000.00}, using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) as a trade-in for {$12000.00} with financing covering the remaining {$11000.00} over a 48 month term. 

On Saturday, XX/XX/XXXX, I needed fuel for the first time in the XXXX XXXX. I opened the fuel cap and found out that the vehicle did not, in fact, have a diesel motor. Instead, it was a gasoline vehicle accepting 95 octane premium. After some research, I came to discover a common point of confusion in XXXX XXXX branding. " XXXX XXXX '' indicates direct injection technology, whereas " XXXX '' indicates diesel technology. I went back to XXXX XXXX XXXX and expressed my displeasure with being deceived. I asked them to unwind the deal and they refused. XXXX XXXX XXXX ownership and sales stopped returning my calls, and on XX/XX/XXXX, they opened a loan in my name via PNC Bank. I contacted PNC after receiving the loan paperwork and explained to them that I believed the sale of the vehicle was facilitated by false advertisement and outright lies during the test drive, and was therefore fraudulent. PNC refused to the remove the account saying that this was a civil matter between me and XXXX XXXX XXXX.
Consumer complaint received 2023-01-27
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. (IL)

I am a victim of identity theft someone has been using my personal information to open accounts. I recently in XXXX disputed this fraudulent information that is on my credit report namely an account with XXXX XXXX XXXX account # XXXX which was opened on XX/XX/2016 in the amount of {$31000.00}. I have written and provided them with my Police Report and my FTC report which is clearly informing them that these accounts are fraudulent.
Consumer complaint received 2020-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/XXXX as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/XXXX and a 2nd validation letter was sent to the agency and attempts to call and provide XXXX  information again was made but unsuccessful. On XX/XX/XXXX credit report was pulled again and the account is still reflecting on my report despite multiple attempts to clear the discrepancy and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance and that all information is correct.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

Citibank which operates financial services for the MyBestBuy card offers 18 month 0 % interest financing when making purchases. The problem is they intentionally apply payments towards the other non-promotional balances on the card. They never explain to anyone at any point that the entire 18 months will go by with all payments only going towards the other balances. What that means is I was just hit with {$3000.00} dollars of interest from promotional balances that I thought I was paying off. Again, never was explained to me that I must specify to them what balances I want my payments to go towards. They said they apply payments towards these amounts when the promotional balance is 2 months from expiring. Why would they be able to make that choice then but not earlier?
Consumer complaint received 2021-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.
Consumer complaint received 2019-06-01
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. (AZ)

I have autopay set up on my account with XXXX XXXX credit card account. I use my business checking to pay for it. 

In XXXX, I closed my business checking with XXXX and withdrew all the money. I, then opened my account with XXXX and deposited said money. 

I updated my XXXX XXXX credit card account autopay to withdraw from my new XXXX account. 

On XX/XX/XXXX, i had a successful auto draft from my XXXX account to pay XXXX XXXX. 

XX/XX/XXXX and XX/XX/XXXX, somehow my payments came from the XXXX account again causing them to be rejected. 

Now they are reporting poorly on my credit and i have to pay fees and charges. My score has dropped almost 60 points. My credit card cant even be used now. 

The worst part is i was never contacted until I chatted with someone online today who said that she couldn't request a call back for me. Whomever called was rude so i asked that she escalate me to someone else. After a long wait, the manager got on the phone and not soon after the call was disconnected. Interesting. 

I also went to update the information and schedule to pay the balance and fees, i notice that my chase account is the only account saved. So now i am wondering how many other people are still be charged from old account after they have updated their information. 

I have screenshots as well.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Upgrade, Inc. (FL)

I was contacted by one of my creditors in XX/XX/2022 that there was an attempt to open a card account in my name. They informed to to get copies of my bureaus and Lock them down. I have done so. All my XXXX bureaus have a " freeze '' in place and now protected with a pin code. In reviewing the bureaus I noticed an account from Upgrade Inc. I immediately disputed this as fraud with the XXXX bureaus. The creditor reported back in XXXX that this was " valid ''. I then reached out to Upgrade via mail with all my information and requested they do an investigation that this was not my account. I asked what they needed from me to complete this. First it was the affidavit, and police report. That was sent via express mail. Then after they received that they asked for the FTC report to show a checking account at XXXX  XXXX XXXX ending in XXXX was listed and for me to send the bank statements. I contacted XXXX  XXXX XXXX immediately. They initiated an investigation and my local banker looked in my profile to see if that account ever appeared in my history of ownership. It does not. So, I can not provide to them bank statements. I did provide the letter from B of A showing this is not my account, never was. They then sent me a letter stating that the account with a XXXX limit had deposited XXXX into that above mentioned account. How is that possible? XXXX on a XXXX limit card? Makes NO sense. They gave me 5 days to provide the info on that. I feel like I am being victimized over again by these people. They have the Police report, FTC report, my drivers license, the letter from XXXX  XXXX XXXX. What more can they need? I asked for this account to be blocked temporarily until this is resolved. It has taken 30+ points off my XXXX score as a result of it reporting over the limit and open. They have not done that either. They continue to report to all 3 bureaus that this is my account. I am attaching all the documentation for your review.
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (AZ)

Please note that anything I say here, I will say under oath in court. This is 100 % truth and we swear on the lives of our children that we are being honest and sincere. 

In XXXX, our student loan was under forbearance through XX/XX/XXXX. I remember getting the confirmation in the mail in the summer and double-checking that it was for this loan. I remember vividly the relief I felt when getting the forbearance, as we are struggling with unemployment in our family. In XX/XX/XXXX, I submitted another forbearance form for XXXX as our struggles continued. 

In XXXX, we received a default notice from XXXX, a collector for ACS.  This destroyed us in many ways. Primarily because of the shock of it - we were under forbearance! We worked so hard to rehabilitate our loan back in XXXX, that we were being very careful. 

Common sense alone says that we wouldnt have ignored this for 270 days - which is what is needed to default on a loan. 

I asked both ACS and XXXX to do an audit of your forbearance system, as ours apparently slipped through the cracks after we received the approval letter in the summer of XXXX. Plus, we would have received almost 9 months of collection letters and probably collection calls almost daily. We did not. Why? Because we were in forbearance. 

Again, common sense, we still had 24 months of available forbearance time on this loan. Why would we ignore ( 1 ) 270 days of collection calls ( 2 ) 9 months of mail and risk defaulting on a student loan where it only took one forbearance form to relieve us of that? Even circumstantial evidence shows that something went haywire here. 

Again, please remember that Id say this same thing under oath. This is not one of the common excuses that Im sure you may hear routinely. Ill swear my life on it. This is not a mistake that we can live with, as it has a devastating effect on the financial future of not only the two of us, but our kids and extended family. 

We are sending this correspondence directly to you instead of XXXX and ACS this time. It has been evident that they have brushed off our request as a borrower just seeking to get a free pass from default. It's evident they didn't do the dirty work and they're putting the burden of proof on us to fix their administrative error. They've been garnishing our wages for over a year and they have ignored all of the common sense, circumstantial evidence, their administrative errors and have just bullied us by not seeing that this is not our fault and we should have been in forbearance status. 

This type of thing is why ACS was sued in a class action suit in XXXX and ultimately had to be sold. We are victims of these practices and are seeking CFPB 's help.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (CA)

In early XXXX, I had purchased a XXXX Mercedes Benz E63 at XXXX XXXX ( XXXX ) and financed through Mercedes Benz Financial Services ( MBFS ). I was talked into purchasing an additional 2 year factory warranty for this car by the General Manager XXXX XXXX. However, on XX/XX/XXXX I traded this car into Keyes and leased a new XXXX S550.  The terms of this lease were {$15000.00} at signing and approximately {$1600.00} per month for 36 months. I was told that the price was high because I had average credit. However, I had paid approximately {$7000.00} for the manufacturers extended warranty for the car being traded in and I was assured that I would get that back from Mercedes. After about 6 months and not receiving anything, I called up Mercedes and they told me that XXXX had instructed them to send the warranty refund to them. After confronting Mr. XXXX, I received a call back from him personally telling me that It is not refundable and I will not be getting a check in any amount. After going back and forth with both parties for basically the remainder of the lease to no avail and unwilling to take on the cost of litigation, I advised MBFS that I will be returning the car 4 months early and will off set the amount of the warranty refund which was almost exact. Subsequently, MBFS has been reporting this to my credit reports as a repo/surrender and eventually a charged off amount of approximately {$29000.00}. This has been extremely damaging, defaming and unjust.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Refinanced two loans recently, all went well until it was transferred to Specialized Loan Servicing.

The have serviced my account for almost ~4 months and only gave me one call, to inform me I had not paid my mortgage. However they had not sent out any paperwork to me, informing me of where/how/when to pay. Upon inspecting the bill, I noticed they did not have any escrow set up for taxes and insurance - which was something we asked for specifically. Attempted to call them, which leads to no answer after a mandatory ~8 minutes robot prompt maze, then a statement saying you will be called within 72 hours.

After completing this processes multiple times over the course of two weeks, I finally got a call back. This person stated we will be all set up and not to worry. Escrow is set up and we will be fine to not worry about taxes or insurance. Awesome, right? Nope. 

I've now received a call from my insurance company that my payment has lapsed and I have no insurance. Calling SLS, after going through all the prompts and waiting for a call back -- I'm told " oh we only set it up for one of your accounts two months ago, but it isn't done yet. you should call a different department, the escrow one ''. Call escrow department, " no sorry, we won't pay your insurance you have no escrow, you need to call back the people you just spoke with ''. Get a call back from them a few hours later " no we can't do anything, but I asked escrow to set up your escrow. '' Now I've paid my insurance, and my late fee. However the company has yet to call back or email back about what has happened, or if my accounts are promptly set up. When I call, it still states that my phone number belongs to an account " we have no transferred yet ''. 

After chatting with the latest customer representative - they said I now need to email XXXX and ask them for an answer, because no one who answers a phone will know. I also need to re-explain everything to them, as they don't have access to my account information or any ticketing systems, and they " may '' do something. This was seven business days ago at this point - and no reply, not even an automated one has been sent.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

I opened a complaint on XX/XX/21 regarding the bank refusing to provide the stock certificate and lease needed to refinance my mortgage with a different bank. NewRez responded on XXXXwith a letter ( attached ) claiming that both documents ( stock certificate and lease ) were sent to the XXXX XXXX XXXX  XXXX XXXX XXXX ( the lawyer who will represent them in the transaction ). However, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX that the bank has provided only the stock certificate but not the lease which the bank had lost. I checked with the XXXX today ( XX/XX/21 ) and they informed me that neither the bank nor the XXXX XXXX XXXX XXXX XXXX XXXX has contacted them to replace the document lost by the bank. I'm still unable to proceed with the refinancing and moving the mortgage to another bank. 

Not only NewRez still hasn't provided all documents that were needed, but it has also submitted false information in the response to my earlier complaint.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (DE)

Unable to download or access my annual credit report from XXXX and Equifax. for federal law enforcement investigation into mill fraud also identity theft. XX/XX/2023 there's a different issue with XXXX. i've also consistently tried to upload the pertinent information to make a just determination and this matter to be to my astonishment what was uploaded was nothing even though it shows File was uploaded.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Complaint : A US Bank customer service rep directed unfair and derogatory states to me during a phone conversation. Her statement, " The payment you made to your credit card is on hold, because XXXX XXXX can be done this way. '' Facts : On XX/XX/2018, I made a payment of {$13000.00}, to payoff the balance of my US Bank credit card account ending in # XXXX. This transaction was done on the phone, facilitated by an account specialist. She transferred the amount from my US Banking checking account to pay off the balance. ( Those funds came from my external XXXX XXXX investment account which was already held for three days and funds were now available to use ) She said the payoff balance was paid in full. 

On the morning of XX/XX/2018, I checked the account online and I noticed the available credit was only {$1100.00} for an account with a credit limit of {$13000.00} that had been paid off in full. I called to speak to a US Bank customer service at approximately XXXX am to get clarification. After a few minutes of conversation and investigation she informed me that, there is a hold on the account because my transaction was out of the norm for my account. I explained to her that I did not think it was fair and I was not told this would happen when I made the payment. Part of her explanation was, The system flagged the transaction, and that money laundering can be done this way!
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-05-01
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. (CA)

I wanted the credit bureaus to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to so. I have attached the letter that I sent them.
Consumer complaint received 2022-04-05
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. (PA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX