davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Titanium Funds (CA)

I purchased a used vehicle back in XXXX at XXXX XXXX XXXX  where i was referred to by a friend of the family and at the time i didnt have much money to put down on a new vehicle and they were advertising you could get a vehicle with little as XXXX cents down on approved credit so i figured i would give them a shot. Upon going to the dealer lot and filling out an application i noticed alot of the cars on the lot were old after sitting down with a sales manager i was approved at first for the XXXX cents down then they told me that i didnt make enough and would have to put down more so i ended putting down {$300.00} and my financed amount was {$11000.00} so i ended up getting a XXXX XXXX  XXXX le they dont charge you monthly like a normal car dealership its based off your pay frequency so i was paying for my car every two weeks in the amount of {$210.00}. The amount of interest i was paying for that car was around XXXX XXXX which is way too much for such an old vehicle i could of bought the exact same car cash for $ XXXX ended getting into a accident XXXX of this year where someone rear ended me on the freeway and totaled the car and the airbags did not deploy. unfortunately i had to get another vehicle through the same place because once i again i was short on money to go anywhere else and i needed a car as soon as possible to be able to go to work so ended up getting a XXXX XXXX XXXX XXXX for {$17000.00} which the car is nowhere near worth XXXX only values the car for XXXX or XXXX XXXX at the most. my issue is not only with price and high interest rate but they also do not fix anything on these cars they have a very limited warranty that covers parts that are not even going to break down on the vehicle any common issues they dont cover and leave you on own to fix or pay for this new car is already giving me issues regarding the suspension and struts and the brakes and wheel bearing there is all kinds lights going off and the check engine light on
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The credit bureau stated my count was properly investigated, but how is that possible if the open date is inaccurate, the date last reported is not accurate, they updated an account that is not mine, the ground for removal, they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions Also the credit bureaus took more than 30 days to complete my investigation sent off by certified mail tracking #
Consumer complaint received 2023-05-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (TX)

This problem is with AAG on a reverse Morgage. Up on closing we had agreed on XXXX $ cash payment with another XXXX $ after one year. upon closing only XXXX $ was transferred into checking account. upon their investigation they found that the problem was on their end. The paper work was changed at last minute. they keep telling me that they know and will resolve the issue but it has been going on from XXXX. the last two months I can not get anyone with them to return my phone calls.
Consumer complaint received 2022-01-07
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. (GA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MI)

XX/XX/2022 I got a bill from XXXX stating I owed them {$470.00}. I had done no business with them so I contacted them and told them some used my name Please stop the account immediately. They did nothing so the thief charged {$3000.00} more in XXXX. I kept calling them and had enter a fraud case which is # XXXX. At the {$470.00} point they had XXXX  XXXX  try to get me to pay. Then XXXX XXXX attorney at law llc and now the worst AmSher who calls and I have told them over and over it is not mine and returned a slip they sent on XX/XX/2022 disputing the debt. XXXX sent me 2 copies of what someone ( not me ) owes in XXXX claiming I requested them which I did Not. Please get XXXX and their collectors to leave me alone.
Consumer complaint received 2022-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AL)

Per the CARES Act, I submitted a refund request on XX/XX/XXXX for payments made during COVID payment pause. I was told it would take 2 months to process the request. 

Summary of payments requested for refund : {$550.00} payment made XX/XX/XXXX ; {$29000.00} payment made XX/XX/XXXX. 

A partial refund for {$550.00} was received XX/XX/XXXX. Meanwhile the student loan balance on my account reflects the combined total of {$29000.00}. I have not received the {$29000.00} refund. Today is XX/XX/XXXX. The two month timeline given was XX/XX/XXXX. 

Multiple attempts made seeking resolution to refund request.
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (GA)

I have called them to dispute the date listed on the debt. It is listed as XX/XX/XXXX when the account was closed in XX/XX/XXXX. Each time I call them to dispute this amount and force them to confirm they own the debt by providing the original bill they hang up on me instantly. This has happened mutilple times and becasue they refuse to provide documentation I want this amount removed from my credit report and for an investigation to begin into the company.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (NC)

I continue to block phone calls from Delta Management, which calls from ( XXXX ) XXXX and ( XXXX ) XXXX. My XXXX app says Delta Management is a mortgage lender. I have a mortgage through a credit union. Today I got a message from my church saying XXXX from Delta Management called to ask if I worked there. This is abusive and illegal.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

XXXX XX/XX/2022 TO WHO IT MAY CONCERN Wells Fargo Case number : XXXX Account number ending in : XXXX Dear Sir/Madam, I am writing to submit a complaint against Wells Fargo with regards to an issue I am facing with my XXXX tax form and more importantly, the fact that Wells Fargo has NOT be able to maintain or manage accurate contact details for my account despite being a customer with them for 26 years, sinceXXXX. The full details of several challenges related to this issue I have and continue to face are provided below or in the attachment. I am also copying correspondence sent to the Board of Directors, Case Specialist and others at Wells Fargo. 
How can Wells Fargo be allowed to operate as a bank and fulfill its fiduciary responsibility when it can not maintain and manage accurate contact inform for its international customers? More concerning is how can Wells Fargo be allowed to hold the money of it's clients through CDs and more when the customer contact information is wrong and inaccurate over several years? Who is responsible to ensure that Wells Fargo meets its obligation to maintain ACCURATE customer contact details, managed under strict data protection/care guidelines in accordance and as required by law and regulations? 
Despite all attempts and assurances by the bank, even to date my contact address and phone number are NOT reflected accurately on my online account. The country where I am living is still not recorded or displayed. 
There is much more to this story. Please read the below and/or attachment for full details of multiple issues regarding my customer contact details. 
I am demanding that Wells Fargo address my complaint and resolve it immediately, as this has been going on for months now and I am losing money every day and this is a big financial loss for me. 
A very frustrated and disappointed long-standing customer, XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2022 I reviewed my credit report and notice that there was a derogatory mark on my report from Credit Collection Services which was placed on XXXX. Many of my rights have been violated by said company. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I, XXXX XXXX did not give this company notice or permission to contact me on this alleged debt. 
Furthermore, this company has contacted my cellphone without my permission multiple times throughout the day which is harassment. Pursuant to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$2500.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$2500.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$2500.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best Regards, XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I still have {$5400.00} held up by Bank of AmericaXXXX XXXX benefits that I haven't been able to receive. They first blocked payments in XXXX of XXXX in the middle of the pandemic, again in XXXX of XXXX, and a third time in XXXX of XXXX. I tried multiple times to contact Bank of America and XXXX XXXX and was not able to get through, and received no replies to my questions. Thanks in advance for your help!
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (TX)

CKS PRIME INVESTMENTS PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. 
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.
Consumer complaint received 2022-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC (VA)

Im XXXX I returned a car because I originally thought I co-signed it for a friend, well turns out I signed for it. And the friend stopped paying on it so I returned the car. In XXXX they started the warrant in debt and garnishment cases every year but never received any money. I had accepted a job in XX/XX/XXXX but never started. They sent me 2 court summons within the past week for XXXX of XXXX. Its way past state limitations and its off my credit.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I called Experian, XXXX, and XXXX to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With Experian and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With XXXX, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from Experian, XXXX, and XXXX online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am experiencing significant distress and frustration due to multiple fraudulent accounts appearing on my credit report. This situation is severely impacting my creditworthiness, which is XXXX  as I am in the process of purchasing a home for my family. Despite numerous attempts, I have been unable to have these accounts removed. Compounding this issue is the fact that my personal information was compromised in recent Experian and XXXX breaches. I had anticipated that my consumer report would be protected in the wake of such incidents, but this has not been the case. 

The presence of these fraudulent accounts is not only damaging to my financial reputation but also constitutes a clear violation of federal law, specifically under 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), which mandates the fairness and privacy of consumer reports. My trust in the banking system and credit reporting agencies to uphold my privacy and ensure fairness has been severely undermined. This breach of federal consumer rights is causing me considerable emotional and mental distress. 

Furthermore, it is unlawful for these companies to furnish personal information to third parties without consent. This act of negligence and fraud has been reported to both the local police department and the Federal Trade Commission. Given the severity of these violations, legal action against the involved companies and credit bureaus is a viable option for redress. The inaccuracies in your database are not only negatively affecting my livelihood but also placing me in an untenable position. I am prepared to initiate litigation if these erroneous items are not promptly rectified. Also please remove the two late payment 's reporting on my Experian, and Transition credit repot as they are inaccurate and should be reporting all the same across all three credit reports please update and report as never late paid as agreed.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My rent check ( {$1000.00} ) was bounced for insufficient funds in my Bank of America bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Bank of America Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

To whom this may concern, Experian credit reporting company had recently received a dispute letter along with multiple documents on XX/XX/XXXX, and a dispute was initiated with a report number : XXXX ; stating evidence that the public record case XXXX was either have been reported inaccurately by the furnisher or is not on record with furnisher ( XXXX ). Experian claims that XXXX reported back saying it verified the public record. This is a complete lie and false claim according to the evidence, and due to the fact that the furnisher did not have any record of this public record prior to the dispute being filed. How is it your company is verifying information with a company that does not have the record on file. Your company is violating the federal law ( Fair Credit Reporting Act ) by issuing falsified verifications for my dispute. I have filed multiple complaints regarding this, and I am tired of your company falsifying fake verification 's. I have attached evidence of the dispute and of the furnisher 's statements. 

XXXX XXXX XXXX : XX/XX/XXXX address : XXXX XXXX XXXX, XXXX, MI XXXX
Consumer complaint received 2020-05-25
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: Nelnet, Inc. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute DEPT OF EDUCATION/NELNETDispute XXXX XXXX XXXXDispute
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have been trying to request an income based repayment for my student loan. When I go to the studentloan.gov website to apply, it shows that I have student loans totaling {$82000.00} when it should be {$49000.00}. The additional loans were discharged XX/XX/2011 due to my being a XXXX veteran. These loans were reopened by Navient and I spent over 3 hours on the phone ( Wednesday XX/XX/XXXX ) going in circles with different agencies and they all sent me back to Navient. Prior to this and afterward I spoke with representatives at Navient and asked if they could defer my payments until the issue was resolved and I was told that because my payment was in the window of repayment I need to call back. I get the same response every time I call back. I can pay the first loan payment on XX/XX/XXXX of XXXX but I ca n't afford the payment amounts that are estimated to be over {$500.00} for the following months. In addition, I do n't want to request a reduced payment which includes payments that have already been discharged. The representatives that I spoke with at Navient agree that my student loan total is {$49000.00} but they ca n't tell me why the past discharged loans are showing up on the student loan website or how to remove them. No one seems to know how to remove them, although I have a letter saying they were discharged. Please help me resolve this matter.