davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have an auto loan with Capitol One and its closed. I requested information about the debt. I asked for all documents regarding this account. I believe that the lending institution used the following forms, XXXX, XXXX and XXXX to pay for this debt through the Treasury department. I requested all documents just to ensured the debt is valid but they are giving me the run around. They ay they sent the documents to my house but its been 7 months and I have to receive anything. I call and requested a call back but they are not calling back. I really dont know what else todo the other option is to seek legal counsel. i believe they te violating my rights under TILA and the FCRA. I would like for you guys to assist me before I talk to a lawyer.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I had a debt with Springleaf Financial Services XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. XXXX XXXX XXXX, XXXX, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XXXX or XXXX XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws
Consumer complaint received 2017-10-05
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. (FL)

XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty XXXX min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time yet there was a day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, repossession, and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2017-10-05
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. (SC)

When I tried to get a refi loan on my home. I was told I had co-signed on a car loan at a XXXX XXXX XXXX in XXXX XXXX, CO on XXXX XXXX. It is a joint loan with an XXXX XXXX XXXX and was given a name of XXXX XXXX. My name is not XXXX XXXX and I do not know who this person or person ( s )  are. I reported the error to Experian and they refused to remove this person from my credit report. I have since contacted the police in XXXX XXXX, CO and they are investigating the incident. I do n't know if they have used my social security number or my deceased husband 's but need to have this corrected as soon as possible. I ca n't seem to talk to a person at Experian so need some help getting this corrected asap. Experian seems to take the side of the credit union instead of listening to me. It is very frustrating. The same error is on my XXXX credit report. Thanks for your help.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was quoted terms of 30 % down and a rate that I locked for a purchase application with Bank of America. I was advised I was approved and I locked my rate. I was told the loan amount required a secondary review and approval from a committee. After the loan went to their committee they arbitrarily increased the down payment from 30 % to 35 % quoting the amount of my reserves went down. Normal underwriting guidelines require 6-12 months reserves at max. I have six times the required reserves at the lower amount they state is the reason my down payment was arbitrarily increased. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure there is no guideline that calls for an increase of 5 % down. I requested their guidelines for this program and they refused to provide them. Since there is no guideline that requires the additional down payment security to be held/ paid, I believe Bank of America is discriminating against me because I am a minority. They obviously want to be in the best position, BUT they can not just pile on extra requirements unless they do this for all applicants and it's part of their underwriting guidelines. I can tell you that regardless of the program this is not standard practice. Their committee is selectively picking out individuals to increase their requirements for the loan based on something besides the guidelines. In my case I can not come up with any other conclusion except that I am being discriminated against.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (NJ)

Pulte sold me a house promising incentives if I use Putle Mortgage. They assured me that their rates are competitive and that ofcourse they would want people to buy their houses. They pre-qualified me with a reasonable rate that was in line with other banks and took a down-payment. Now it's time to close and Pulte is not giving me a fair rate or mortgage option. My credit score and income have only gone up since pre qualification and yet Pulte 's rate offer to me is 43 % higher than quotes from other major national lenders. This will now potentially lead to closing delays for me to get the rug pulled in the last minute by Pulte. 

My problem above doesn't even go into high pressure sales tactics used my pulte loan consultants who have given a myrade of reasons why I should pay them points worth XXXX 's of XXXX XXXX XXXX and if I don't do it now, rates may even go higher. This was in XX/XX/2023, when rates are already at 7 %. Overall I feel like every step of the mortgage process was trying to take advantage of a first time home buyer.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/2021 - {$10000.00} was deposited from the SBA. On XX/XX/2021 {$5000.00} was deposited also from the SBA. I tried to sign on to the account on XX/XX/2021 and got an error message that the sign on and password didn't match. I tried many times during the day but got the same message. I had signed on on XX/XX/2021 with no problem. 
XX/XX/2021 - I tried to sign on, got the same error message as the day before plus an email telling me that the accounts are closed. 
I tried to call their customer service number but the recording told me my account was closed and then hung up on me. 
I have a main account in my name and a subaccount in my son 's name. There is about {$16000.00} in the main account and {$600.00}? in the subaccount. 
With no way to get in touch with them except via USPS it is very upsetting.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest has failed to Furnish evidence that their reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late payments. Statements are hearsay in the court of law.
Consumer complaint received 2021-09-10
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 — Their investigation did not fix an error on your report
Company: American First Finance, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-07-05
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (TX)

Made a purchase with lobel bank month after purchasing the car the transmission and starter went out contact lobel and asked for a defrred payment cause the cist of repairs was XXXX which the XXXX value of the car was XXXX was met by very rude reps made a payment on XX/XX/XXXX car was repo on XXXX called to ask how much to get car out was told had to pay the full amount after being told by diffrent reps that they would tell me the fee to get the car outbeen transfered many times put on hold and hung up on
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This entity has not contacted me regarding any debt owed. I have never heard of the organization, so I have no affiliation with them or the creditor they bought the alleged debt from. 

This is on my credit report as a " charge off ''. This is not my debt. And I am demanding it be removed immediately as it is injuring my credit.
Consumer complaint received 2017-10-05
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: U.S. BANCORP (MI)

Our travel agent in XXXX XXXX correctly charged {$12000.00} XXXX XXXX dollars against my XXXX XXXX card on XX/XX/XXXX for a future vacation. Prior to arranging for payment of the vacation with the XXXX XXXX card, I spoke with an agent ( XXXX ) on XX/XX/XXXX and asked if they would waive the foreign transaction fee that would result from the transaction. XXXX stated XXXX would waive the foreign transaction fee for a large one-time purchase like a vacation/trip. 

Upon receiving the statement from XXXX, I noted the amount charged was higher than expected. Based on the amount charged in USD, XXXX used XXXX USD per XXXX By comparison, there is no record of a similar USD to XXXX exchange rate anywhere else in the world at any point during XX/XX/XXXX. I have attached examples from multiple websites which confirm the actual USD to XXXX was between XXXX and XXXX. The resulting overage charged by XXXX amounts to a low of {$220.00} USD and a high of {$220.00} USD. 

When I pointed out the overcharge to XXXX, they initially agreed that the exchange rate was incorrect, but blamed the merchant. XXXX initiated a dispute against the merchant for {$180.00}, which was the amount the agent quickly estimated the exchange rate overcharge to be while on the phone with me. I disagreed with the dispute being filed against the agent and stated the issue was the exchange rate created by XXXX. 

XXXX refused to correct the exchange rate and refund the overage when they determined that the merchant was not to blame.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I made a check deposit on XX/XX/XXXX and they said they are going to hold it until XX/XX/XXXX but they already withdrew the money from that check owner on XX/XX/XXXX. What is the reason for them to hold the fund so long?
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (IN)

I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (PR)

Indicate that they will stop calling until they send a debt validation.

They kept calling me even though I told them not to do it. The person who answered me on the first call told me that they were not a collection company.

I was with a person who was helping me on the call and the person who called me told me " the call is between you and me '' so I can't have an advisor to help me with things that I don't know? What law prohibits that?

They did not send me all the documentation I requested. I have never said that this debt does not belong to me, but there is information that does not belong to me and that violates the law.

Apart from that, with the things that the collection company is doing, it is violating my rights.

I attach evidence of all this with names, a letter and photos of the situation.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by PORTFOLIO RECOVERY ASSOCIATESs actions. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. I need you to take this matter seriously, and send me a response. My email is XXXX, and my phone is XXXX XXXX XXXX XXXX. 

Accounts information : Account 1 : Portfolio RC ( original creditor : XXXX XXXX  ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$910.00}. 

Account 2 : Portfolio RC ( original creditor : XXXX XXXX XXXX ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$2000.00}. 

Portfolio Recovery XXXX, XXXX is acting against the consumers right. They are re-agins the mentioned accounts, they are reporting discrepancies across bureaus. They are being unfair and negligent. 

I have attached some documents for the company. Please send it to them. 

Thank you.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

Resurgent Capital Services is trying to collect on a debt that i do not recall ever making. I would like a validation of this by mail to prove it. I am retired and on ssi so my income is federally protected. acct # XXXX account ID. XXXX
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Dear XXXX, I am filing a complaint against Chase Bank 's decision of the refusal to our chargeback against XXXX XXXX who lured us to make a deposit to their oversea bank in the amount of {$15000.00} on XXXX XXXX, XXXX. Half year later, XXXX XXXX closed our trading account and refused us to make a withdrawal. By the XXXX XXXX, we still had over {$70000.00} in that account but can not access to it. 

I told Chase Bank XXXX XXXX employee XXXX that XXXX was doing illegal financial activities in XXXX and they failed to deliver their promised service to their customer. Chase just ignored the fact and even did n't take a investigation. They just simply told me that the time frame to file a chargeback was 120 days and I have passed the valid time frame. I told them I was filing my claim for a refund under the XXXX XXXX XXXX which allow us have 540 days from the date we sent the money when was XXXX XXXX. But XXXX just ignored this Scheme and repeatedly told me I passed 120 days time frame. They even did n't know what XXXX XXXX XXXX is. I suggest them study the XXXX XXXX XXXX and take a close investigation at my case. Otherwise, it 's unfair to me due to Chase Bank 's ignorance.
Consumer complaint received 2018-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (NV)

Company put a lien on me and additional cost of {$1200.00} towards court fees and additional interest than the balance of the vehicle that I am not entitled to pay which I originally owed was {$1800.00} now the fee is {$3100.00} which my cosigner passed away in 2016 that took a lot of financial responsibilities on me.