davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST (CO)

Bank Of the West Wants my Bank User Name and Pasword to take money out of my Bank account to Pay Rent the Bank could XXXX all my Money XXXX XXXX XXXX  mailed RPM Rental my Rent Check that RPM mails to Bank of the West gets the check late and charge me {$130.00} Fee RPM said to Mail the Check to Bank West Return the Check to my Mom Adress in Minnesota I Had XXXX XXXX mail 2 months Rent to RPM RPM wont give me there Routing Number XXXX  XXXX took around {$1000.00} Dollars to Lease me the Apartment I asked fore Help Paying Rent Calling Bank Of the West most all there Employees Hang up on XXXX XXXX Have XXXX XXXX in XXXX nobody can file a lawsuit against a bank treats everyone Terable 9 years I often move to a Foreign Country Every 90 Days the First Day you are in the Country a Rental Complany or XXXX XXXX take you to and apartment you give them {$2500.00} Cash and Rent the apartment there 100 % Helpful XXXX Credit Check XXXX Fees everything Helpfull Return to America and Everyone Treats you Terrible Call RPM Rental and Send them a email gets XXXX response you have to go there
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/31 at approximately XXXX XXXX, I called Hyundai Finance Motors to make a payment on my past-due loan. I informed the representative that I only had {$500.00} to pay toward the XXXX past-due balance. I requested a late fee waiver, as the amount being asked was {$560.00} and I had just paid {$1000.00} a couple of weeks prior, and my funds were limited. The representative proceeded to tell me that Hyundai does not waive fees and I would need to pay the amount requested in order to stop collection calls. I asked the representative, why didn't Hyundai have a fee waiver request available for their consumers to allow them to get caught up on their past due amount when efforts are being made to bring the account current. The representative proceeded to tell me that my past-due account is my fault and why should they waive my late fee because I fell behind. I told the representative that she was in violation of the FDCPA and that I would report her for abuse. I then requested to speak to another representative to proceed to make my payment. The representative told me to report her and hung up in my face. I called back to make my payment and also to request the name of the representative. I was only given the name XXXX, no extension was provided. The new representative did, in fact, request a fee waiver ; so not only was the previous representative abusive, but she also provided false information regarding my account.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from XXXX XXXX XXXX ( XXXX ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted XXXX at that time and informed them that the dealership was handling everything. After a few more notices from XXXX, I repeatedly contacted the dealership and asked that they do something about the invoices from XXXX and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. 
I heard nothing from XXXX after the dealership informed me that they took care of everything, clearing up the situation with XXXX and that they sent a payment to XXXX  to cover the lost key. 
I recently checked my credit report and found that XXXX had entered a charge-off against me. XXXX never advised me in advance that XXXX would be reporting a bad debt. I submitted a dispute with XXXX and Equifax regarding the charge-off. Both bureaus reported that they had contacted XXXX and that the charge-off was correctly entered by XXXX. I contacted XXXX  and they informed me that the dealership, or the warranty company, had indeed sent XXXX  the balance due on my account, but that XXXX had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing XXXX  could do to rectify that since it had already been reported. 
Because the dealership ( and the warranty company ) were delinquent in sending XXXX the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.
Consumer complaint received 2022-10-31
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: CL Holdings LLC (TX)

Ive had this XXXX account removed from my credit already through XXXX XXXX XXXX and they keep putting it back on there. The amount keeps going up and they keep switching the agencies to put it back on there. plus this account is over XXXX years old!! They just recently reopened it XX/XX/2022. I dont understand this. Im trying to buy a house and they messed everything up!! Please help me!!!
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF THE WEST (FL)

Loan date approximately XXXX, boat loan Registration/Taxes check and paperwork submitted to XXXX Rector XXXX XXXX Co on XXXX. Which is a company selected by Bank of the West. 

After a month or so I called Bank of the West wondering where my registration paperwork was. I told give it more time. 

On XXXX, 100days after the loan was processed, I went to the tag office here locally and found out nothing had been done on the vessel in the state system. I called Bank of the West, I was told my case was elevated to a tier two level and i would get a call within 1 to 2 business days. 2 weeks later, no return call, so I had to call them back on XXXX. I was told then that they sent a message to the Documentation company on XXXX and no reply back yet. This is in direct contradiction to them telling me someone was going to contact me within 1 to 2 business days. 

I have {$130000.00} yard decoration that I can not legally tow on the roads in the state of Florida due to no tag being issued. I can not operate the boat on the waterways due to no boat registration being issues by the state in my name. 

I have repeatedly asked to speak to a manager when i call the XXXX number and the agent on the other end has just flat said no. This is unacceptable! 

The title documentation company is selected by Bank of the West therefore they are the parent company and should take immediate and corrective action to get there own customer the documents needed for the vessel.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from XXXX, XXXX and Equifax and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each XXXX made me disclose my entire social security number which should not be asked for. XXXX, XXXX, and Equifax could have requested the last four. 

XXXX, XXXX and Equifax have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
XXXX, XXXX and Equifax are also selling my private information with out my consent which is aggravated identity theft.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I have an auto loan through Huntington Nat'l Bank. The loan was opened in XXXX 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me {$40.00} per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to XXXX, my balance is increasing {$51.00}, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XXXX XXXX, XXXX at XXXX XXXX Portfolio Recovery called my wife and I at home in attempt to try to make contact regarding a debt. The problem is our number is listed on the Do Not Call Registry. They  were calling late, while we are in bed trying to get our rest. We have had this happen several times before and are getting tired of this.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of 2021 I had went into my bank account with XXXX where I had been banking and out of now here I was locked out of my account. When I called they told me that they can close it whenever they want and there was fraud activity on the account which didn't make sense because I was fine with my account. I want my checking and saving account with them again because I was becoming better at it with them and now they are saying I can't.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

On XX/XX/2022 I deposited a mobile check with Bank of the west it cleared on XX/XX/XXXX. My account was closed on XX/XX/XXXX by Bank of the west and my deposit was kept and nit returned. I have tried calling the check issuer unfortunately Bank of the west has not been able to find this transaction in there system.
Consumer complaint received 2021-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NC)

Good afternoon, I just need my information such as payments made to be corrected in the system. I made plenty of payments to ACS servicing but only a few were documented when my loan was turned over to XXXX XXXX. My balance actually went up instead of decrease. I was under the impression, I was refinancing but that wasnt it. There no way you can go up when I have been paying on the account since 2005. I just need my account updated. Now there is no way to contact ACS directly because they dont do loan servicing. Thank you
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was approved for The XXXX XXXX XXXX XXXX, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX XXXX showing XXXX loans with Account Number XXXX
Consumer complaint received 2022-11-10
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: WELLS FARGO & COMPANY (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-12
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. (DC)

I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and Equifax, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATIONXXXX that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (OH)

I am filing a complaint against PENN CREDIT CORPORATION because they are attempting to collect a debt that I do not owe them. Account name : PENN CREDIT CORPORATION, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (FL)

I have been disputing this account with the bureaus since XX/XX/XXXX and started to dispute directly with the company, Discover Student Loans, on XX/XX/XXXX. When they didn't respond to me, I sent another dispute requesting validation of debt on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I have sent ANOTHER dispute through certified mail to Discover Student Loans, but to date I haven't received anything from them and I don't believe this debt is valid! They have yet to validate it as well!
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

I collect unemployment from XXXX. From XX/XX/XXXX to XX/XX/XXXX my US Bank ReliaCard was compromised for over {$12000.00} I contacted the bank and they opened a fraud investigation in XX/XX/XXXX I didnt get a results back until XX/XX/XXXX and they said they denied it I re-opened it up and they denied it again on XX/XX/XXXX I submitted paperwork stating every transaction that was fraud from XXXX to XX/XX/XXXX that sent me a print out of all my transactions and asked me to outline them and explain which was for fraud and so I did they credited my card {$1400.00} from them from the charges from the month of XX/XX/XXXX you can look at my charges and its very clear that they are fraud its the same companies over and over again making multiple multiple transactions I called today XX/XX/XXXX and talk to the supervisor in the fraud department at XXXX ReliaCard and she informed me that they had found that my case was not fraud I would not lie about this I can go to federal prison I feel like Im being totally cheated out of money because they dont wan na pay me I dont know what to do I have followed all the proper steps Ive submitted all the proper paperwork and I also called 13 vendors that were on my print out which is not even a fourth of them and they told me they did not know why I was calling them because that was not my job but they did look and tell me that they had no paperwork from US Bank ReliaCard stating anything about me so how can I find that my case is fraud if they didnt even investigate it. This is been a year now been fighting this and I still get the same answer they dont see any fraud in it but they havent even investigated it is just called me financial burden XXXX  XXXX  and major XXXX  now if you can give me back {$1400.00} for the month of XXXX which is not all the charges obviously this is a fraud on my account I have called and reported every time I transactions with you that I did not authorize please help me I need my money this is absolutely ridiculous I dont wan na have to pay a federal lawyer I know one but he charges over {$500.00} an hour and I dont have the money to do it so please help me my name is XXXX XXXX my XXXX XXXX is XXXX or XXXX please help me I need your help the number to U.S. Bank ReliaCard XXXX XXXX
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX a man called me from a Wells Fargo phone number, he told me he was from my bank and that my account was flagged for fraud. A man named XXXX XXXX was XXXX money from my account. In order for the transactions to be reversed I would need to go to XXXX and put XXXX as the First name and XXXX as the last name and the amount {$350.00} ( from my checking into the amount ) and a lady named XXXX from the fraud department would reverse the charge. He then had me put another amount of XXXX ( from my savings ) and send it to XXXX. I was getting suspicious and was on hold with Wells Fargo waiting to verify his credentials. Once an associate from Wells Fargo answered he hung up. I was on the phone for over 2 hours with my bank reporting this. Today, ( XX/XX/XXXX ) I contacted my bank and they said that the bank my funds were transferred to a bank, and that bank has been notified, but that bank has not returned my money. My bank will not give me any information so I can press charges against this person who stole money from my account. I have XXXX case # 's XXXX. XXXX XXXX. My account just 4 weeks before this, someone else stole my debit card number and went on a shopping spree, that is why I trusted this person who said he was from my bank, I really thought someone was withdrawing money from my account again. Wells Fargo has not been very helpful or even seem to care about getting my money back. Hoping someone can help.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair Company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-10-10
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: Experian Information Solutions Inc. (FL)

XXXX and Experian continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.