davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my credit card that I've had for 16 years with no warning due to in activity. hey would not allow me to reopen the card even if I charged something on it. I've never been late on any credit card payments and have an 800+ credit score. I also had a 7.9 % locked interest rate ( due to the Consumer Protection Act ) and I believe that is the real reason my card was closed. I want my card reinstated. I was waiting for a call back from B of A Director XXXX XXXX which has not happened yet.
Consumer complaint received 2017-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a Bank of America cash rewards business credit card. The card had accrued around {$160.00} in cash rewards. The bank decided to close my credit card XXXX 2016 and has refused to pay me the {$160.00} in rewards earned. I have spoke with Bank of America customer service and wriiten to the BBB.
Consumer complaint received 2020-10-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

After Repo I would like records of how much vehicle was sold for at auction and adjust left over payments if information not receive in 30 days please remove off credit report because it is reflecting my credit score to purchase another vehicle.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (OH)

My mother passed away XX/XX/2019 leaving behind a XXXX XXXX purchased from XXXX XXXX in XXXX Ohio. I have been keeping the payments up through XXXX XXXX, they were even called with the sales person listening as the Executor of her estate. 

I went to XXXX XXXX to trade the car in to be paid off. Upon doing so my credit was pulled assumably by XXXX XXXX for the dealership. 

The DEALERSHIP pulled 8 random finance companies without my consent. 

My credit score dropped from XXXX  to XXXX @ XXXX  and XXXX @ XXXX, XXXX  is now XXXX. 

I have a complaint with XXXX for Wells Fargo and Wells Fargo agreed to finance a vehicle from XXXX XXXX. 

I immediately started backing out with the sales person. How did they get this loan?? I don't want Wells Fargo, I thought you were using XXXX XXXX?? I told you my credit was above 700, why are you using Wells Fargo? 

The sales person said they didn't know how many points would be used or how they obtained credit and furthermore told me I was not allowed to inquire or engage with the financing department until I was approved. 

Unknown to me XXXX XXXX pulled 8 different banks and financial institutions to get RATE of Financing not the best credit score, intentionally grounding my credit in an effort to keep me from buying from another dealer without my permission. 

I continually asked how they obtained my credit, what bureau they used to insure the protection of my credit rating but the sales person XXXX did not disclose the information. 

Here 's a List Financial Institutions XXXX XXXX XXXX   XXXX XXXX  WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   During the signing the finance officer was so aggressive and omitting I refused to sign the sales contract without a 24 hour waiting period. I basically wanted to see what they had done, his aggressive attitude was a giveaway. 

The trade-in of my mothers car was not permitted without the right document from the court so I had to call the probate attorney while I was there to get that documentation right away. 

The finance person tried to lock me into that commitment without the legal documents for the trade-in so aggressively that I became suspicious and refuse to complete the paperwork without the court document needed for the transfer. 

The finance person said I would have to leave {$1000.00} downpayment to hold the vehicle of purchase and sign the sales contract to do it which would have bound me to the note without the trade-in value of my mothers car. I refused!!!
Consumer complaint received 2021-07-14
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)

Due to pursuant US Code 1681c 2 ( a ) consumer reporting agency shall block the reporting of any information in the file of consumer that indentify theft, no later than 4 business days!
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I scheduled a temporary lift of my credit freeze last year. I scheduled it for 7 days, ending XX/XX/XXXX. Equifax still shows the account as unfrozen through XX/XX/XXXX. That was 3 months ago. 

They will not let me freeze my credit. 

They make phone numbers hard to find and then the numbers lead right back to " do it yourself '' - but i can not. Real customer service is only for paying customers. 

They already burned me by exposing my data in XXXX, they should be more interested in protecting people before asking us to pay them more.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.
Consumer complaint received 2020-07-16
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. (AR)

I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED TOVERIFY ALLN MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC (CA)

I received a call from ( XXXX ) XXXX, and the voicemail said to call before XXXX or else they will " escalate '' legal matter. It 's apparently a debt collection for my sister. I do n't know how they got my number.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX  XXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXXLate/Open Late Date XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX-Late/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Sachs, backed by Mastercard, provided me with a merchant response that states XXXX XXXX, XXXX issued for XXXX. The remainder of the funds has not been issued. Apple says XXXX XXXX told them I got a gift card. I contacted XXXX XXXX to get this gift card and so far none of the managers ( XXXX XXXX XXXX Store ) XXXX or XXXX or XXXX can track it down and the folks at corporate call center has acknowledged that a gift card does not exist. Given the miscommunication and XXXX XXXX XXXX inability to solve this or properly communicate directly with me, the credit card should issue me the amount due to me {$2800.00} - {$42.00}. I have paid off the card so you can send me a check to my new address.
Consumer complaint received 2020-07-16
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: EQUIFAX, INC. (AR)

I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED TOVERIFY ALLN MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU
Consumer complaint received 2021-02-26
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 recover it. I haven't gotten help from them for months, but I just remembered that I can submit a report here because I think they are not doing a good job, and because I often use PayPal, this has a big impact on me. My email link to my PayPal is XXXX XXXX
Consumer complaint received 2017-07-24
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: JPMORGAN CHASE & CO. (AR)

I went in for procedures to be done and they were not. I had prepaid and the money was to be refunded to Chase. I NEVER made a payment on this account and the money was never refunded even after several calls and visits to get it done. I opened this account in XX/XX/XXXX. This is over 9 years and the insist on leaving this on my credit. I have contacted the credit bureaus and they wont take it off. Chase says I made one pmt around XX/XX/XXXX I think it was. Why would I make one payment? This was clearly another mistake they made by posting someones else 's pmt to my account. They also dont have any proof of this pmt. I want this off of my credit report for good. My credit limit was XXXX XXXX and the card was ran for XXXX XXXX.
I called Chase to get this straightened out and they were playing games for an hour transferring me from phone to phone. I finally hung up.
Consumer complaint received 2021-07-14
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. (AL)

I have disputed this account on several occasions with XXXX XXXX & Experian. Each time, the reporting bureaus respond with a verified as accurate tag. Accounts that have errors or incorrect information, can not be verified as accurate. I have reached out to the collector trying to rectify the situation, all to no avail. XXXX XXXX XXXX continues to report inaccurate information to my credit report, damaging my credit rating. The credit bureaus are violating my consumer rights & ignoring the law by reporting erroneous accounts as verified & accurate. This account is not mine. Ive never associated myself with the information attached to the account.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.
Consumer complaint received 2020-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Firstly I never opened this Capital One credit card number that claims i opened it in XX/XX/2018, which is not correct because I have never associated with a credit, now my own credit union will not even let me open a checking account with them because of this fraudulent account that messing my credit score up not to mention the 36 credit inquiries. I have only made 4 different credit inquiries with 3 different banks which are XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and they all declined me because of all this mess!! I am so sick and tired of all this mess. I'm only a beginner credit score person. I don't need all this horrible mess that I have been having to deal with.
Consumer complaint received 2020-07-16
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-07-16
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (VA)

XX/XX/2020 I spoke to a representative who set my account up for a deferment due to covid-19 under the CARES ACT. I was told this would not have any impact on my credit as I would be reported current and that the balance of the payments that were deferred would be added to the end of the loan. I later discovered it I had been reported late for XXXX and XXXX and I contacted them immediately to resolve. They indicated they had been overwhelmed due to covid-19 and that some paperwork had been delayed but the they were coreecting any issues. I was suppose get a call back and although have called conssistely each week for the last 3 months no-one is returning my call. I have spoke in great detail to multiple representatives and managers who assure me the issue would be resolved and forward it to the credit department to correct. There has been no change. Prior to this I had never been reported late on this account, Under Cares they should not be reporting me late because the offered this deferment and did not process it timely.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Today XX/XX/2021, I called the service provider for my loan as I have for the past few months to inquiry why my payment was not taken out as scheduled with my auto payment plan. I have a bi-weekly payment plan. My loan was initially with XXXX and later transferred to XXXX XXXX, serviced by Loan Care. My payments went like clockwork for quite some time until the last few months when my payments were taken out 1 to 2 weeks after the scheduled date. In one instance I was notified my payment was late! I have spent many hours with Loan Care on the phone to ensure my payment is processed and more recently to urge them to correct the issue. What I learned today after three hours on the phone with multiple people, is that loan cares computer system does not support the bi-weekly payment plan I have which was grandfathered due to the loan transfer. They have to initiate a service request each time. Of course, it was working correctly for quite some time, so I am not sure this is accurate. I asked to be put in contact with XXXX XXXX to discuss a new service provider who can meet my needs but was hung up on upon being transferred. It seems loan care can not or will not fix this issue. I am at a loss about what to do here other than refinance. Please help.
Consumer complaint received 2018-02-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MS)

I refinanced my mortgage loan ( 1st lien HELOC ) with XXXX XXXX. XXXX was wired a payoff on XX/XX/XXXX. The payoff they received was good through XX/XX/XXXX so XXXX was paid the complete principal balance and more in interest than was due. Additionally, the new mortgage company sent a letter which I signed noting I wanted the account terminated. 

On XX/XX/XXXX XXXX drafted the regular monthly payment on my loan which was already fully paid off. This caused an overdraft charge on my checking account of {$36.00}. When I saw the payment draft on my account in a pending status I contacted XXXX and was told they could not cancel the ach payment and I would receive the amount I overpaid in 10 business days as they have to make sure the wire is good. I was told the ACH agreement I signed to have the monthly payment drafted noted that I need to cancel any future payments at least 3 business days in advance. I dug out the ACH agreement and this was a true statement from BSI. This wasn't noted on the payoff statement from XXXX. 

I called a second time a few days later and was told they have never received the signed termination letter and would need to send it a second time. I was also told that it would now be 14 business days before they would know if the ach payment was good. Additionally I was told they would charge me interest until they received the signed termination letter. I have a negative balance as they drafted a payment that wasn't due and they indicated they would charge me interest on a negative balance. 

I emailed a copy of the payoff statement which was signed by me on XX/XX/XXXX when the loan closed and a copy the new mortgage company created both indicating the HELOC needs to be terminated and the lien released. I've called and left a message to make sure they got the emails ( I did get an email delivery receipt ) but nobody has returned my call. 

I feel that XXXX XXXX is purposely ignoring my overpayment and extending the time it takes to refund the overpayment. I believe this is a violation of UDAAP.
Consumer complaint received 2021-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WV)

I have 3 degrees that I obtained from XXXX to XXXX. I had 3 student loans and paid all 3 federal grants off in full. None are on my report. I purchase two houses between XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and current address at XXXX XXXX XXXX XXXX  with my husband XXXX XXXX, XXXX. Neither are on my report. I purchased a car in XXXX from XXXX XXXX in XXXX ( XXXX XXXX XXXX and in XXXX I purchased a XXXX Truck from XXXX XXXX in XXXX. I was sick in XXXX and missed 1-2 months in two credit cards and now my score is ruined even though I paid those I also paid that off. None of these items is on my credit report. I think you purposely keep peoples scores low. I know you wont do anything. You always ignore what I say and side with Fico and the credit card companies and ignore all the things I have told you above and that is documented as early as XXXX. The ageism inherent in your complaint department and the lack of willingness to help me is so frustrating I have let it get the better of me. I am just tired of all the things I have done not being on my report and no one making any real attempt to respond to any of my concerns. I wont come molar again.I am fully aware that you dont care, wont believe me, and wont do anything to truly explore what Im saying but I am making one last attempt. I think the callousness with which you respond to complaints is disgusting.
Consumer complaint received 2020-07-16
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$560.00}