davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (FL)

I got an auto loan from SunTrust Bank in XX/XX/XXXX. At the end of XX/XX/XXXX, the vehicle was repossessed. After few days I was able to secure the amount needed to bring up my account current and all the fees mentioned in the contract like repossession fee. To my surprise, when I called to make the payment, the bank representative had added {$1800.00} for " Other fees '' that can't be explained by any terms of the contract provided by the bank when I purchased the vehicle. I have requested from the representative to email me a letter from the bank to that effect, which I do have. I refused to pay that fee and offered to pay only the fees mentioned in the contract, but the bank did not accept and demanded the " Other Fees '' to be paid to release the vehicle. After few months, the bank sent me a letter explaining the calculation of deficiency. I called the bank and explained to the representative that I was not able to retrieve the vehicle because of the " Other Fees '' added couple of days after the vehicle was towed. At that point, the representative tried to convince me that " Other Fees '' meant " additional amount to be paid toward the principle ''. When I disagreed, the representative made a comment about " English being my second language '' and that's why I might misinterpreted the " other fees '' mentioned in the letter received by the bank on XX/XX/XXXX. I believe the representatives are playing with words to mislead consumers specially when they hear an accent.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TN)

I took the Citi XXXX XXXX card due to an offer for credit off a flight I was booking. I made the payment for the full amount by phone, received a confirmation # and also a paper statement showing a balance of XXXX. A few days later I started receiving calls from Citi saying my account was over due. I called back and they said the payment had been returned. I attemped to make the payment again and it seemed to go through again. Now a week later the account shows a balance again and another late fee and returned check fee.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a glitch in their system that violated the rights of their consumers under Section 6.11. As a result I have been greatly affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

Over 7 months ago or close to a year ago I closed my account in Wellsfargo. My reasoning for closing my account was because I was charged unknowingly monthly fees for my account, my account activity was note documented in a timely manner which lead to negative balances and additional charges. I felt as if Wellsfargo does not value its customers. Since I bank with other banking institutes I can determine the difference in how a customer should be treatment and the difference in the produces they offer. They fees I was charged I do not receive from other banks. So, I felt no remorse when I decided to close my account with Wellsfago. 
In the meantime since I have closed my account ; I am still receiving bank statements as if it was never closed my account. I thought the bank statements I was receiving would eventually stop coming and I never thought anything of the statements until I recently heard of the Wellsfargo account scandal. Therefore, I want to know if I am a victim of the Wellsfargo account fraud?
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (TX)

We got a call from something called PayPal Credit. We have always minimized credit card use. I have heard of pay pay but I have never set up or used " pay pal credit ''. They said I had an unpaid amount of {$400.00} from XXXX XXXX 2015. Why so long to call and ask about it? They said this exact amount was to a company called XXXX which I had never heard of. They had no information about what was purchased. There is no company on the internet by that name. I do know the VA and OPM were hacked and Federal employees had their personal information hacked and I do believe this is a scam.
Consumer complaint received 2016-09-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MD)

Cashnet.com.slowly charges you for both the loan and the fees are not written that each time you draw out money you are charged.but it is not a one charge it also becomes part of the loan which can hike a {$200.00}. loan to XXXX.after you draw out the XXXX.i think that is wrong.and i want out of cashnet. com.had this acct since XXXX.and untillXXXX.i paid for a {$400.00} loan.
Consumer complaint received 2015-08-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (VA)

I attended XXXX XXXX University in XXXX, Virginia. Recently, I applied to get my student loans with Wells Fargo modified because my current income can not support my monthly loan payment in addition to my other bills. I was denied my request because the lender stated that to modify my loan payment to 10-15 % of my monthly income would not be financially beneficial for the lender. Wells Fargo does not want to modify my loan because it would not increase their revenue from the loan, however, they also agreed that I could not afford to make the large monthly payment. This seems largely unfair to me as the borrower because I would just need my payments to be lowered until my financial situation improves. I asked if I had other options and I was informed that there were no other options for repayment. I was told that I would have to somehow pay the large monthly payment even though Wells Fargo determined that I could not afford it.
Consumer complaint received 2015-08-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (IL)

I have had a shortage in my escrow almost every year since I opened my loan in 2009. My taxes nor insurance have increased in these years. In fact they decreased. I applied for a modificiation in the beginning part of this year. At the time I applied my mortgage was current. I have not missed any payments. My Escrow is currently short {$700.00} as well as {$720.00} of my payments were applied to fees. I should n't have any fees because my account was current and still is current. A representative told me that there was no money applied to my escrow XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This needs to be corrected as well as investigated because I should n't have a shortage in my escrow every year.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

My mortgage escrow continues to be mis calculated each year. It is not increasing because of an increase in taxes or insurance, it is increasing because of poor calculations and they never have to provide proof. 
I entered into a loan modification process with them in XX/XX/XXXX I was only XXXX payment behind. I followed there procedures during the trial and entered into the perm modification XX/XX/XXXX at that time they told me my escrow was behind and they had to increase my payment by XXXX or XXXX dollars. here we are again they are now saying I 'm XXXX behind/short. They never corrected my credit from the modification and clearly have not reviewed the process they use to calculate escrow. I want a full accounting of my escrow payments. I told them this. 
They are continually messing up my account. They even got my interest paid incorrect for XX/XX/XXXX. I do n't know what they are doing but it is not in my best interest. 

Please help me, XXXX XXXX,
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

When I moved since I 'm XXXX and could n't take care of myself XXXX got it to where I could move out early I lost my pay and would n't be able to pay then after I move a year later they change mind and want all this money
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC (CA)

this parasitic company is trying to collect debts, from family members, that DO NOT exist. They are praying on people that have recently had a death in their family and telling the survivors that the dead owe them money. This company and EVERYONE that works for them is XXXX
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (IL)

Around XXXX of XXXX, i contacted the company to ask for Covid Relief programs they may have as I had lost my employment and didn't know when I would return to work. I was informed they would see what programs I qualify for and that they would contact me with further information. 

In XXXX of XXXX, I realized I was still being charged over limit and past due fees. I called again and was assured that my account had been closed in good standing. I reiterated what I had been told, that my account had been closed in good standing and that there is no balance. I was assured that that was the case. I destroyed my card and was thankful, thinking that that was the end of it. 

On XX/XX/XXXX of XXXX, I called again as i was still being assessed late charges and over limit fees. Again i was assured the account was closed and would no longer be charged fees. 

I called again in XX/XX/XXXX, as my account was still being charged and now had a balance of {$540.00}. {$140.00} ove rlimit fee and an interest fee of {$14.00}. I was assured that the card is closed and that all fees would be credited back. Please understand that the last time I used this card was XX/XX/XXXX. 

I called again today, XX/XX/XXXX. My balance now {$420.00} with a late fee of {$20.00}. I was charged a late fee in XXXX XXXX of {$10.00}. a late fee in XXXX of {$20.00}. After XXXX, the agent hung up on me.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several negative items that appear on my credit report. After reviewing my report, I have found several errors that I believe are affecting my credit score unfairly, and I am requesting that you take appropriate action under the Fair Credit Reporting Act ( FCRA ). 

Firstly, the account listed for XXXX XXXX XXXXXXXX with the account number XXXX has questionable information. I request that you provide me with a detailed explanation of this account or delete it from my credit report. 

Secondly, the account listed for XXXX XXXXXXXX XXXX with the account number XXXX has inaccurate information that is damaging my credit score. To the best of my knowledge, this account has never been paid late, and I am requesting that you update this account and delete the inaccurate information immediately. 

Under the FCRA, you are required to investigate any disputed information on my credit report and make corrections if the information is found to be inaccurate, incomplete, or unverifiable. I request that you investigate these errors and make any necessary corrections within 30 days of receiving this letter, as required by law. 

Furthermore, I request that you provide me with a written confirmation of any corrections made to my credit report, as well as a new copy of my credit report reflecting the updated information. 

Thank you for your prompt attention to this matter, as I am confident that you will handle this dispute in accordance with the FCRA and the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (SC)

In XXXX Wells Fargo Bank forced closed a checking account that I had kept open since XXXX. There was a {$3000.00} line of credit which would transfer money to keep it open. When the checking was closed without my knowledge for XXXX I went to a branch to have it reopened, and was told no. They promised to open another FREE CHECKING, with free checks and connect the {$3000.00} line of credit free as well. The new checking was not free as promised, nor were the checks. They charged me {$25.00} every time the line of credit advanced $ to the new acct.which was not the way it was before. They told me one lie after another until I finally just gave up. They also, forced me to opened a savings acct. that I I did n't want or need. It took me several months to close the savings and line of credit.
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in documentation to XXXX, TransUnion, and XXXX that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.
Consumer complaint received 2015-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCB Credit Serivces, Inc (MS)

They call every hour of the day and refuse to tell me who they are. I have asked them to stop calling me. They are verbally abusive and offensive. Every time they call I ask for the name of the company and who I am talking to. He or she refuses and says I owe them money. They refuse to tell me what it is for. They call 4-8 times every day.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (NY)

the company keeps calling me and threatining me harrasing me to pay debt I dont owe I keep telling them not to call they keep on calling at my work office residence please have this company stop calling me and threating me the company name is XXXX XXXX AND LOCAL XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

The Truth in Lending Act ( TILA ) is a consumer protection law enacted in XXXX  in response to exceedingly predatory loan practices. Prior to the TILA, lenders would use a variety of terminology and forms of lending that manipulated uninformed borrowers. The TILA changed this by requiring a uniform system of disclosures and terminology to be used for lending like credit cards or mortgages. 
Creditors were required to disclose details like the annual percentage rate and repayments details in a clear way to borrowers or else the borrower may be able to rescind the debt. TILA also limits the amount of late fees creditors can charge. Overall, TILA, since its signing has been updated to respond to changing lending practices to ensure borrowers clearly understand the terms and conditions they agree to. 
Title 31 Sub-section 3130 of obligations and interest on the public. False and inaccurate credit reporting causing instability and hardship.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Firstsource Business Process Services, LLC (MI)

The problem is that the collections account is listed as XXXX and I received notification from Firstsource Advantage called XXXX they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo to cancel my PMI since my loan-to-value ratio was below 80 %. I purchased my home for {$280000.00} in 2014 with an original appraisal of {$320000.00}. I currenlty owe {$250000.00}. I was advised I could not cancel my PMI until my ratio reached 75 %.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (MA)

My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you
Consumer complaint received 2015-06-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires.
Consumer complaint received 2016-04-16
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (CA)

I went on-line to get a balance transfer from one credit card to another. 
I entered the wrong credit card number to transfer money from. 
I called the credit card company immediately after. 
They told me that they would not cancel the transaction even though it was still pending and the transfer would be made by wire about 5 to 7 days later.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX needs to update/correct my consumer file with Correct name : XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Correct DOB : XX/XX/XXXX Correct employer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Correct Accounts : XXXX XXXX XXXX Dated opened XX/XX/XXXX XXXX - as paid off XXXX XXXX Date opened : XX/XX/XXXX - $ XXXX-as paid off XXXX Dated opened : XX/XX/XXXX XXXX $ XXXX as paid off XXXX  Dated opened : XXXX XXXX - $ XXXX as paid off The fact that these credit agencies assumed the role of reporting different information is why I keep getting denied for credit. I want to finally purchase a home and need my info to be accurate on my consumer report at each credit agency. 

They have reporting inaccurate information since they assumed the role in XXXX I need my consumer report to be accurate now.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I was alerted by TransUnion, that my account information had changed, and my credit score went down by XXXX points. The reasoning for the reduction of XXXX points was not clear nor easy to find. A full three agency credit report had to be done, which cost additional money. When I reviewed the information regarding my XXXX XXXX, that is in good standing, was closed and labeled " removed. '' TransUnion is the only agency to have reported the XXXX  XXXX account in this manner. This erroneous report damaged and hampered my ability to close on a home loan. The account that was given a new account number, but never was closed. XXXX XXXX said they never requested for the account to be removed, nor do they remove credit lines in good standing. I followed up on the same day and was told by TransUnion to file a dispute, whether it is their fault or not. TransUnion 's agent further told me that my only option was to report to CFPB, because they only respond to their customer 's request. They do not investigate their errors. Because the account has a balance, this action will affect my ability to gain a home loan and will affect the interest rate that I had qualified for prior to this error. Furthermore, I have been paying for TransUnion 's monitoring service that states that the consumers ' of this product would be provided certain services, i.e. a rationale for changes in credit scores. This did not happen..