davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit, Inc (CA)

On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX VW of XXXX XXXX, CA. When I was discussing financing options with the Finance Manager XXXX XXXX XXXX, he described a pre-paid VW maintenance plan that was available that would cover my scheduled maintenance on my vehicle. He indicated that if I purchased it now at a price of {$1000.00}, I will be covered for my XXXX, XXXX, XXXX and XXXX miles scheduled maintenance with no additional out of pocket cost at time of service. He provided me estimates of each scheduled service and after crunching the numbers, the deal made sense and I agreed to the maintenance plan of {$1000.00} that was included in the financing of my vehicle. 
In XXXX XXXX ( XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I believe ), I contacted VW Financial Services to ensure I fully understood my pre-paid maintenance plan and what it covered. I asked the representative if my plan covered XXXX mile service and she confirmed that it indeed did cover those maintenance services. This put me at ease knowing that XXXX at XXXX and the VW Representative confirmed the same thing. 
On XXXX/XXXX/XXXX, I brought my vehicle in for my XXXX service to XXXX VW of XXXX, CA. When I notified the service center what I needed done on my vehicle, I was told that I would have to pay out of pocket for my XXXX service of approximately {$300.00}. They indicated that whoever processed my prepaid maintenance plan at time of vehicle purchase only signed me up for the XXXX and XXXX mile service, and not the XXXX and XXXX mile service. They stated that there are XXXX plans that can be purchased, which is the VW Care package that covers the XXXX and XXXX mile service and the VW Care Plus package that covered the XXXX and XXXX mile service. XXXX at XXXX apparently only signed me up for the VW Care Plus package even though he had confirmed I would be covered from XXXX miles at a financed cost of {$1000.00}. I spoke to the Service Manager at XXXX and he re-confirmed what I was signed up for and advised that he could not do anything further as that it what was shown in their system. I notified him that I should be covered for XXXX as I did not pay for the XXXX mile service performed at XXXX several months ago. They said that after looking at their records, they saw that the Service Technician apparently processed it incorrectly and when they submitted the reimbursement to VW, they were denied it and they had to 'eat ' the cost for my XXXX mile service. Since I needed the service and did n't have the time to dispute with XXXX or VW at the time, I agreed to pay for the XXXX mile service out of pocket for a total of {$310.00}. 
It appears that I was misled by not only XXXX, but also VW as I specifically called asking the question about coverage and they confirmed that I was indeed covered for the XXXX mile services. 
Note that I have also filed a complaint for VW XXXX ( Case # XXXX ).
Consumer complaint received 2015-04-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (CA)

We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXXXXXX XXXX XXXX {$150000.00} Balance updated XX/XX/2021 9 late payments fcra violations never late
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

I have been trying to obtain a car loan for almost 4 months. The car loan company pulls Equifax. When they pulled my Equifax report, the finance manager said my score was XXXX and I had not XXXX open account on my Equifax report. I called Equifax 7 times and after sending my ssc card and picture Id. Equifax told me I have too many accounts and that there were XXXX partisans to my report. XXXX with a lot of accounts and XXXX that apparently the car dealerships were seeing. Equifax took not fault to this and said the creditors need to report better, there was nothing they could do. Well, I have called all the creditors and they have been reporting to Equifax. All the creditors said they are reporting to XXXX bureaus. I have noticed from alerts and services I am currently enrolled in with XXXX and XXXX, that they ARE getting the creditor info and doing their job by reporting it. EQUIFAX IS NOT!! Equifax is not fixing this, so I called once more and still NOTHING.I would appreciate you doing anything you can to get this mix up straight. All I want is for Equifax to do their job. It is that simple
Consumer complaint received 2016-05-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

I requested a loan amortization schedule for a fixed loan rate from my lender PNC Bank and they have denied the request. I do not understand why they will not provide this request I need to now how much is going towards interest and how much of my money is going towards principal because I have had this loan since XXXX and the original amount borrowed was {$88000.00} and the amount has not gone down by much because I owe over {$83000.00} for a loan I have had for nine years and only {$5500.00} paid down on the loan which is a 15 year loan. I am trying to pay this loan off eventually because the mortgage has a balloon attached at the end of the loan payment schedule XXXX XXXX XXXX for the total amount due of the loan {$88000.00} which is the last payment to be made if I do not pay off the loan before this date.
Consumer complaint received 2015-10-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A. (PA)

My PNC Bank application number is XXXX, I purchased XXXX on XXXX through XXXX XXXX XXXX on XXXX for {$46000.00}, 3.99 % interest rate for 60 months. I also refinanced with XXXX XXXX XXXX XXXX for 1.99 % for 60 months for {$47000.00} and received check from them on XXXX. PNC Bank is refusing to give the pay-off amount telling that they are still waiting for details from the dealer and no account has been created yet and refusing to give the account number. The dealer said they sent the contract around XXXX and told to contact PNC. PNC bank representative are telling to contact the dealer. It appears that PNC Bank is not happy with me for closing the loan too quick and want to get some interest from me. I request Office of the Consumer Finance and Protection Bureau to help me get the pay-off amount from PNC Bank and also request to waive the interest from XXXX since I would be paying interest for both the banks. Please call me XXXX or XXXX for my SSN number or Date of Birth or any other information required to resolve this issue. Thank you. XXXX XXXX XXXX
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (FL)

Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all. 

Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate. 

My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining. 

I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-02-04
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. (CA)

To Whom It May Concern, YOU BROKE THE LAW!! 


Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; It has come to my attention that your company has violated multiple provisions of Title 15 USC 1681 of the Fair Credit Reporting Act. The accuracy and fairness of consumer reports is imperative to the functioning of the banking system, and the actions of your company have put this principle in jeopardy. 

Pursuant to Title 15 USC 1681 ( a ) ( 1 ), I was never notified of the furnishing of inaccurate information to my consumer report, which has caused my report to be unfair and undermined my confidence in your company 's procedures. 

Moreover, Title 15 USC 1681 ( a ) ( 2 ) establishes that your company 's actions have caused harm to my reputation and creditworthiness, and Title 15 USC 1681 ( a ) ( 3 ) states that your company assumed a role for which it was not authorized by me or a competent court of jurisdiction. Furthermore, Title 15 USC 1681 ( a ) ( 4 ) establishes that your company failed to ensure the accuracy of the information and to exercise its obligation with fairness and impartiality, resulting in a breach of my privacy rights. 

Additionally, Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) clarifies that transactions between the consumer and the person making the report should not be included in the consumer report, and Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) states that the consumer should be given the opportunity to deny the information being reported.

Furthermore, Title 15 USC 1681a ( B ) excludes the authorization of specific extensions of credit, such as credit cards, from being included in the consumer report. Finally, Title 15 USC 1681a ( e ) outlines the requirement for a thorough investigation when producing an investigative consumer report, and the Fair Credit Reporting Act regulates the production of consumer reports to ensure the accuracy and reliability of the information included. 

In light of these violations, I request that this inaccurate information be removed from my consumer report immediately, and that your company cease reporting my information in its database. I also request a copy of my investigative consumer report, as required by the Fair Credit Reporting Act. Any failure to uphold the law will result in a defamation lawsuit. Let me remind you that company policy does not supersede federal law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (UT)

On XXXX of this year, while the sale of our prior home was still pending, my wife and I closed on our current residence, and entered into a mortgage that we understood would be owned or administered by Branch Banking and Trust Company ( BB & T ). It was our intention to use the bulk of the funds from the sale of our old home once received to reduce the principal balance on our new one. Wanting to keep some funds in reserve, and knowing we would soon make a major principal reduction, we only put 10 % down on our new home, and accepted that we might have to pay PMI for a few months. Our closing documents indicated that we could eliminate PMI by reducing our LTV below 80 %. Our old home sold, and on XX/XX/2016 we made a principal reduction payment on our current mortgage in the sum of {$110000.00}, which by BB & T 's own calculation brings our LTV to 60.3 %, and on that date in conversation with BB & T 's mortgage service center personnel, requested PMI be removed. That request was rejected, and we were told that a history of 24 months of timely payments on the mortgage was required under BB & T " policy '', irrespective of the fact that we were now significantly below 80 % LTV. Following that verbal conversation, we received a letter ( unsigned ) from BB & T dated XX/XX/2016, confirming BB & T 's position. 

We have requested the removal of PMI in writing, have made all mortgage payments from the inception of the loan on time, and have reduced the LTV to 60.3 %. The property has not declined in value in the short time since we closed. We believe that BB & T 's refusal to remove PMI from our mortgage, and refund any PMI payments held in reserve, is contrary to the provisions of the Homeowners Protection Act of 1998, and note that BB & T 's stated policy of requiring 24 months of payments regardless of LTV, is not permitted under the Act, as expressly stated in CFPB Bulletin 2015-03.
Consumer complaint received 2016-12-01
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: ZIONS BANCORPORATION (CO)

My spouse and I recently ( XXXX ) purchased a home through a mortgage broker. After the loan closed, my spouse inquired with the mortgage broker about a home equity line of credit ( HELOC ) on our home. The mortgage broker said his company had a relationship with Vectra Bank and would forward the information to Vectra Bank. I was aware that my spouse was wanting to do a HELOC but I did not want to be on the loan. In XXXX 2016, I received a letter in the mail from Vectra Bank showing they ran my credit report and what my credit score was. My spouse and I did n't know why they ran my credit when I did not apply for a loan. I did not contact Vectra Bank at that time, I just assumed they were requiring me to sign on the loan. On XXXX XXXX, 2016 I received a call from the lender at Vectra Bank regarding the HELOC and that they might be able to give us more than was requested. I asked him why they ran my credit report when I did not sign anything allowing them to run my credit. I told the lender I was not wanting to be on this loan. He said he would look into it and call me back. When I talked to the lender the following day he said I would not need to be on the loan because my spouse would qualify without me. The lender was not able to answer my question as to why they ran my credit when I did not apply for the loan. The lender also said they could not remove the inquiry on my credit. On XXXX XXXX, 2016, I received a Notice of Action Taken and Statement of Reasons. The letter said my application for credit dated XXXX/XXXX/2016 was not able to be approved because the value or type of collateral was not sufficient and they had a counter-offer. 
My complaint is I never applied for credit with Vectra Bank. I did not complete a loan application and they do not have my signature saying I authorized them to pull my credit report. The lender knew this mistake and sent me a denial letter when he knew I never applied for a loan. I believe Vectra Bank violated at least three regulations : FCRA - for not receiving my authorization to pull credit and for not having a permissible purpose to obtain my credit report. They did not have a permissible purpose because I never applied for this loan. 
ECOA - Reg B ( signature requirements ) - for assuming I was a co-maker on the loan request. 
Reg P - Privacy - for reviewing my credit without my authorization. 
I believe Vectra Bank could have a problem in this area. When they receive a loan request through a mortgage broker, they should contact the individuals to make sure they are wanting to do a loan and have them fill out the proper paperwork. They should not make assumptions especially when they are dealing with people 's credit.
Consumer complaint received 2015-10-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC (CA)

Loan me sent a post card to my address with a 7.4 apr when I actually was approved for the loan the APR went up to 137.70 % and 135 % for the Interest. I am a struggling single the parent and can not afford to give LoanMe {$12000.00} for a {$3000.00} loan. I received this loan in XXXX of 2014 and have been paying consistently for the last year. Please look into this company because the percentage rate for their loans is illegal.
Consumer complaint received 2015-09-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (VA)

I leased a car from the XXXX XXXX in XXXX, Florida and the manager told me that I could return it at the end of one year and negotiate a different lease with Ford Credit and pointed to XXXX cars in his lot that he stated were returned prior to the end of their lease and just after one year and that it was acceptable to Ford Credit. 
I returned with my car on month eleven to discuss with the dealership and they referred me back to Ford Credit who informed me that they did not negotiate any leases and the manager had no right to make that statement to me. 
I returned the car and Ford Credit pursued me for a judgement and stated that they took the car to a wholesale auction and let it go for a very low amount and obtained a judgement against me for approximately {$22000.00} plus legal fees and interest. If I had continued to pay the remainder of the lease then I would have paid less than {$19000.00} and I am currently looking at a payoff about after negotiating with a collection attorney ( XXXX of XXXX, Florida ) for {$25000.00}.
Consumer complaint received 2016-01-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NJ)

I purchased a phone by using Paypal. Paypal says that they will allow you to put in a claim if you have a problem with the company. However, paypal closed my claim without working with my to verify that I sent back the phone. So, I ca n't seem to contact paypal, and get a real answer, and my claim is closed, so I am apparently out the money that I spent on the phone, and I have no phone.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc (NC)

My complaint is with PayPal Credit Services and about their business practices related to easy access to and disclosure of " PROMOTIONAL BALANCES '' information in their consumer website. PayPal Credit offers 6 months, NO INTEREST, option with most merchants, for purchases above {$99.00}. This is great, HOWEVER, when the consumer goes to their PayPal website to manage their account and PROMOTIONAL PURCHASES, there is no easy, clear way to find a link to " PROMOTIONAL BALANCES. '' This makes it nearly impossible for people to quickly check the expiring promotional balances and manage them appropriately so that the accumulated interests are not charged at the end of the period when they have missed the deadline. Any other of the several credit providers I deal with, have this SO VERY IMPORTANT ACCESS to my account information not only readily available, but also it state how much has been applied to that particular promotional purchase, how much is owed and when it expires. Since I have complained to PayPal about this issue several times now, and they have updated the user interface on their website since then, it is very difficult to not think that this is being done on purpose and to keep the consumer unaware of the expiring balances to then collect the accumulated interest rate. PayPal is failing to provide clear disclosure and easy access to my PROMOTIONAL BALANCES status ; a product that they offer as a " benefit '' to the consumer with conditions of payments or else penalty will be applied. Please understand that this information is there in the website, somewhere buried. I have gotten to it, but I could not tell you how. I also understand that this information is in the full statement which I would have to go to the statement, download it, to then see it. Please understand that I know the information is there somewhere, my complaint is that it should be READILY AVAILABLE WITH A LINK TO " PROMOTIONAL BALANCES '' ON THE OPENING/SUMARY PAGE. They have a VERY CLEAR, EASY LINK ON THE MERCHANT WEBSITES offering this product. WHY NOT DO THE SAME ON THEIR CONSUMER WEBSITE for consumers to be able to manage this commitment? For the busy lives today, it is crucial to be able to take care of these important aspects of life quickly and efficiently.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MO)

I met all of the requirements for a {$200.00} bonus from PNC bank and now they are not honoring the offer. The offer stated that the bonus would be paid " within 60 days '' from the date that all of the requirements were met. I have an email from PNC dated XX/XX/XXXX stating that all of the requirements were met. I called them last week and spoke to a banker named XXXX at the branch where I opened my account at XXXX, XXXX, MO XXXX. He told me he needed to contact corporate office and would get back to me. When I spoke with him this morning, he stated that I would not be receiving my bonus at this time.