davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Superior Holdings, LLC (IN)

Company : Superior Auto XXXX, In Location : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Issue : Potential Preditory Lending Practices. 
Purpose of loan : Purchase Vehicle Loan Terms : 48mo. @ 21 % interest Sales Person : XXXX XXXX Title : General Manager Vehicle Description : XXXX XXXX XXXX XXXX XXXX Stock # XXXX Vin # XXXX Mileage : XXXX Non-Listed Price : XXXX, XXXX Observed issues : Poor Tire Condition XXXX XXXX Value of vehicle when purchasing from a Dealership : Market Price : $ XXXX $ XXXX, with a Fair Market Value : {$13000.00} Issue : I am in the 4th year of a 5 year XXXX XXXX XXXX. I am very well aware that at the time the 21 % interest rate is to be expected. What was not expected was the " Non '' negotiable 31 % markup of the vehicle. In no other circumstance in XXXXXXXX XXXX can a dealership increase the selling price of a vehicle by 31 % " over '' a vehicle without negotiating. 

This places the typical buyer in need of a vehicle, to simply get to work at a major disadvantage to preditors. I'm fortunatly not in that situation, and I'll just save the money, and pay cash. 

What concerns me, is the folks walking thru the door after I left. The looked as if they were already struggling, and a preditor like this is only going to make their situation worse. To pay {$31000.00} for a {$13000.00} vehicle in nothing short of theft. I'm in the situation as a result of XXXX, and I have the means and education to get thru it. But, this practice should be illegal if it's not. 

Please let me know, if this is actually legal. I'll be also be addressing this with my State and Federal Representatives. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,, Contiued Issues,, That Has Not Been Solved Yet,, Mr XXXX XXXX, Which Is The Ceo Of This Company Now,, And I Also Know That,, Mr XXXX XXXX, and Mr , XXXX XXXX Had Got Fired Or Stepped Down From This Mess That They Created,, So I Would Like To Express My Feelings About These Issues,, If You Think That I Like This,, No I Don't,, They Should Be Held Accountable For All This Mess,, This Has Been A Very Long Exprience And Very Upsetting,, Looks Like This Bank Took Money From Me And My Family, And Throw Us Under The Bus And Forgot About Us,, So UnAcceptable Promises,, Old And New!!!,,
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

Chase allowed 9 disputes from a fraudulent caller to all my bills car insurance, electric water and other bills. I never received a verification to those disputes until the 9th one. Fraud held that acct open for investigation and set up 3 step authentication. Opened a new acct and they allowed another dispute of XX/XX/year> to be be pulled from my new account. I would never file a dispute of charges during an investigation on my old account after being hacked and hacked in new account that I only paid 2 bills. All my bills were caught up. I called fraud and customer service they refuse to understand nor accept fault. I must also state that not one in my several calls amd 14 transfers ever did they 3 step authentication per agreement, I want that charge removed from my new account and this dispute completed. Chase must take full blame for zero protection. I have filed with all irs, social security Fraud department Identity theft and will have police report, if this is not Handled with professionalism. I have banked with chase for 30 plus years. I am living on XXXX and this has caused me way to much stress. Thank you for any assistance to this matter.
Consumer complaint received 2020-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I have sent in documentation for the inquiries that are on my report and they are still there on my XXXX  report. My XXXX  report has been corrected and updated. Experian and XXXX  will not cooperate I have sent police reports and documentation of the erroneous information that was reported. I feel like my rights have been violated and I have also been denied credit. My character has been defamed and it is causing me to be stagnant in my endeavors. Please investigate the inquiries as well as the accounts that should have been deleted.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/2024 I was contacted by a mortgage company that informed me I could not get a mortgage because Credit Acceptance was reporting I hadn't paid on my car in 176 days I called my bank and requested a statement showing all my payments to Credit Acceptance in the past year On XX/XX/2024 the mortgage company received the payment history from my bank, called me and told me I now needed a payment history on Credit Acceptance and a letter from them stating that they reported inaccuracies. 
On today XX/XX/2024 at approximately XXXX I called credit Acceptance and requested the information. Initially they sent an electronic document which could not be opened and refused to send a letter stating I had indeed been paying. I spoke to XXXX and a supervisor named XXXX I called again and spoke to another supervisor named XXXX who agreed to send an actual copy of my payments, but also refused to send a letter stating I had indeed paid my car note this past year.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

XXXXLexisNexis listed XXXX events on consumer report that are false. 
XXXX. On XX/XX/XXXX A comprehensive coverage claim for < or = {$1000.00} with a {$2000.00} deductible which was never filed. 
XXXX. On XXXX XXXX, XXXX A not at fault accident. 
I never had an accident in XXXX.
Consumer complaint received 2023-02-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I understand Wells Fargo has undergone a fine settlement for fraud between XXXX but not all its customers have been notified. I'm unsure what debts I'm owed out of the settlement since I was not given a notification of any sort from Wells Fargo and this is to ensure I'm not left out of the settlement claim. I've had checking, savings, and credit card accounts with Wells Fargo since XXXX
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (FL)

I was XXXX multiple times at XXXX XXXX XXXX in XXXX florida. I do not have insurance. I was told by multiple workers in the hospital that I wouldnt receive any bills. Well I received bills, I wrote back saying I do not have insurance and that I was told there would be no bills. I am still doing this to this day. Some of these accounts I disputed and won. But some went to collections. I have been paying off these collections accounts for 2-3 years, even though I was told by the hospital staff I would not see a bill. XXXX XXXX and amerifinancial solutions and XXXX XXXXXXXX  are the companies who I am paying. I pay what I can. Sometimes {$100.00} a month, sometimes {$17.00} a month. These companies have hurt my credit score severely. I am trying to do the right thing by paying these bills but I was told by XXXX XXXX XXXX staff in XXXX florida that I would not see a bill. I am not rich. I do not make a lot of money. I can not afford health insurance. Please help me
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

The State Employees Credit Union of NC pulled excessive inquiries during my house hunt. They admitted to the error and promised they had notified XXXX to remove one of the inquiries ( XX/XX/23 ), however after 1 full year, they still haven't. I was initially told by an XXXX representative that all of the inquiry 's would convert to " one '' after the bank ( SECU ) showed the purchase on my credit report, but not only did that NOT happen, SECU nor XXXX will remove the excessive inquiries I've listed in this complaint, but XXXX claims they're waiting to hear from SECU. After filing a dispute with XXXX a second time, they said they didn't need my trail of email evidence, therefore denying my request for the second time to remove those inquiries ( XX/XX/23 and XX/XX/23 ). I don't even think that XXXX investigated because how could they if they didn't want proof that SECU admitted that they pulled at least one of the inquiries in error ( XX/XX/23 ).
Consumer complaint received 2023-02-28
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: LEXISNEXIS (PA)

This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (OH)

On XX/XX/XXXX, I deposited a check from XXXX insurance totaling {$740.00} into my Current Bank Checking account. Current is an FDIC insured financial technology company that offers checking accounts. The original deposit date was set for XX/XX/XXXX. The bank has a hold on the deposits and has not cleared the funds as it has now reached XXXX or more business days. There has been provided no reasonable explanation as to why an extended hold has been on the check or why they would believe that a reputable company such as XXXX would not have the funds. This hold beyond the reasonable time frame has placed an extreme financial burden on my household as I had to use my savings to pay for the car repairs myself. I am now falling behind on payments that can not be made without these funds.
Consumer complaint received 2024-03-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCF Intermediate Holdings LLC (NV)

For the past two years, I have been receiving numerous calls about a payday loan debt I do not remember even owing or even applying for. Recently, I received a letter from XXXX XXXX XXXX saying that if I do not pay this payday debt in the amount of {$1400.00} by XX/XX/2024, they will take legal action against me, which might result in either garnishing my wages or putting a lien on my bank account. Their name and address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I have XXXX XXXX once already and I am running out of options.
Consumer complaint received 2022-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OH)

I have been paying on loan over 1 year. I had a few issues at start of loan but resolved. Recently my bank had made a mistake and mishandled my bank account. I paid the NSF to XXXX for the issues. That should be enough for them but bill harassment took place after. I made a few payments after NSF took place. No issues. On XXXX I logged in account blocked from any bill pay at all. I called in. Phone bill pay not accepting my card also. I spoke to support whom was to unblock. I logged in after. Still blocked. Next customer service then harassed me more by then stating wait 15 minutes and try. I was then blocked from logging in. I then called back a 3rd time. I was unblock to login only and was supposed to be able to pay but can not because of harassment. NSF is standard business procedure even though not fair in some instances to pay for other businesses mistakes. Not part of any business agreement as a customer for them to block me from paying. First 2 sounded XXXX but doubt XXXX. 3rd sounded XXXX. I have had some harassment issues from ex-husband XXXX XXXX and his families in various states mainly XXXX they live. I also have had some harassment from step father XXXX XXXX including a statement regarding XXXX vehicles that there is a special device for XXXX vehicles in America only. I understand issues in America regarding XXXX not being well liked but maybe an excuse for harassment by them including the business as may noticeably being trying to harassment to hinder business finances here. I like my vehicle. I resent any of this be it family or business harassment. Business gave no notice of bill blocking. Not a business standard. NSF fees should be sufficient for issue. My bank does not internally bill pay to XXXX.
Consumer complaint received 2021-08-11
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. (VA)

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 2020-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Re : letter I received from Citizens Bank, Reference : XXXX that I received XX/XX/year>. 

The letter says Citizens made the soft inquiries into my credit report " for a permissible purpose.. '' I am asking Citizens for an explanation of that permissible purpose. Would Citizens explain precisely what that permissible purpose is that allows Citizens to make inquiries into my credit. 

Also, I am asking Citizens to disclose to me how the information received from my credit report has been used/shared/disclosed.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (GA)

I came across an article where the CFPB settled with Specialized Loan Servicing on XXXX XXXX. Regarding violationing the Real Estate Settlement Procedures Act ( RESPA ). I filed a complaint with CFPB regarding this same situation.XXXX Now once again SLS is trying to forclose on my home but I have received no compensation on my loan regarding the settlement they are to implement to help borrowers. Attached is a letter from our attorney at the time stating the violation. It has been a constant struggle to get any help from this mortage servicer. We resently applied for the Georgia Mortgage Assistance program and finally after about a year qualified to receive XXXX. My application was denied, however we were told only because the Georgia Mortgatge Assistance can only pay up to {$50000.00}. The Georgia Mortgage assistance sent me a form on XXXX XXXX to fill out and submit to the mortgage company. The form is attached to this complaint. I was told once the mortgage company fills out the form and sends it back to me then the Georgia Mortgage Assistance would reactivate my file request another V record and continue trhe process of getting the money allocated. SLS has since moved to forclosure proceedings. I would like to know what they intend to do regarding violating my Respa. How do they intend to help me since they clearly have now been held accountable for their actions.I believe that back XXXX Specialized Loan Servicing violated my rights and I would like to get my situation resolved.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

I submitted XXXX separate payments via check to my Barclay Old Navy Card and Barclay MasterCard in XX/XX/2022. Those checks were IMMEDIATELY cashed by Barclay, but never deposited. I have been fighting with them tirelessly and sending copies of the cashed checks for 16 months as proof that these payments were made, meanwhile still paying on both of these cards. Nearly 16 months and they just did not care that the checks were cashed and never applied. I have spent hundreds of hours on the phone with their customer service and typing out messages and I have gotten absolutely nowhere. 

After nearly XXXX months of waiting, the payments were applied but incorrectly. Barclay applied BOTH payments to my Old Navy Account, despite them both being labeled with account numbers and account names. So again, I resolved to contact Barclay to fix the issue, apply the payments correctly, and refund me all interest that has been collected on the XXXX account since the day they received payment. They have talked me in circles and refuse to fix this mess. They will not apply the payment correctly and they will not refund me the interest that we have paid. 

We are an active-duty military family with SCRA protection on our accounts ( that they have also failed to apply to the XXXX account ), and this has been the most frustrating experience I have ever had. PLEASE if you can help them apply the payment correctly ( from the Old Navy account TO the XXXX account ) and also refund the interest and overpayments on the XXXX account, I would appreciate it greatly.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Credit Management placed a ( collections ) on my consumer report without providing disclosure prior to making such report. Midland Credit Management has also violated my rights by making such report without my consent and instructions as it pertains to such report.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried numerous times to get a free annual credit report from XXXX and Transunion, the prompts are telling me that my info can not be found in their database when I just unfroze my credit with XXXX with no probs the last couple years untold XXXX XXXX. The last time this issue came up is when someone was using my personal info to obtain credit and I became a victim of identity theft in XXXX and my credit was wiped clean my credit score fell from the upper 700s to 300s in no time, I again found bogus accounts on my credit reports ( XXXX ) ( XXXX ) That I had XXXX dispute for me and took off in XXXX, Im just now getting my credit back and now I suspect its happening again I had a initial fraud And credit froze at all 3 bureaus and now they re telling me my info isnt in database and I have to mail proof of my identity to Transunion and XXXX, I haa as d no prob with XXXX. I Am allowed my free 3 annual credit reports and I cant get to my info and it was fine last XX/XX/XXXX. I got a loan to get my car. Now Im having issues to unfreeze my credit at XXXX on Monday XXXX XXXX for a much needed loan. I am so fed up with this, you all had just got Transunion to unlock my info so I could get to it, I couldnt get to it for 6 years until you all got in touch with them last year. Now its starting again. I want this matte tv resolved please and for them to stop letting other people view my credit I take it, I am a victim of I am a victim of identity theft and have the documents to back this up since XXXX. My ssn # was compromised and used to file numerous tax form 1040 and the IRS caughgg Th it because I dont have a tax filing status and I am having trouble with my local Social Security Administration in XXXX NC, they will not issue me a new number, my ssn # is out there and the person or persons keep doing this when they get angry at me for whatever, a detective told me it is a revenge act that was done to me we have our suspects but not been able to prove it, my ex husbands family we suspect, but I know my current ssn # will always be tagged to me but at least maybe they wont steal the new number if I was issued a new one. The only way I know this matter will be solved permanently, thank you for your time.
Consumer complaint received 2022-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

Rushmore Representative promised to wave a non-sufficient fee of {$20.00} XXXX months ago and the charge is still showing. When I paid my mortgage over the phone the Rushmore Rep put in the wrong digit for my bank account and the payment didn't process They charged me for their mistake. I explained to the Rep what happened, the rep said they would waive the {$20.00}. I saw it on my account to date on my online account. This happened approx. XXXX months ago and the charge was not waived.