davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Before trying to open a business account, I went into a Wells Fargo bank to inquire about what was needed. I was told that all I needed was my LLC certificate and/or taxes filed. I bank with Wells Fargo and made an appointment online to open a business account. The first appointment I made ( XX/XX/24 ) I was contacted the next day to inform me that no one had the expertise at that location to assist me with opening a business account. So I made another appointment the same day for XXXX XXXX XXXX XXXX. I was contacted by phone by the Personal Banker, XXXX XXXX XXXX, who immediate told me that if I didnt have an EIN number that I could not open a business account. She kept insisting that I email her what I had so she could verify if I could open an account. I explained to her that I was at work and I needed to come into the bank so that I could fully understand because I was new at starting a business. I went online the same day and got an EIN number for my LLC. When I arrive for my appointment, XXXX XXXX XXXX stated that I was unable to open a business account due to my address. She sat for over 30 minutes doing and saying nothing to assist me. I stated that she just spoke to me and said all I needed was an EIN number. She told me that she didnt tell me that. I requested the EIN number just minutes after getting off the phone with her. It was clear that she did not want to help me and XXXX XXXX XXXX filed a complaint, without asking me, about me being misinformed on opening a business account. I told her that I felt unwelcome at my own bank and that I was filing a complaint because I have no trust in someone that lack professionalism and treats me with the lack of respect of my time, with my account and money in bank. I scheduled another appointment on XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX Acct # XXXX, has violated my rights.

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
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

XXXX  accounting and my PNC account were working perfectly together. Somehow the link got broken, and I can not get my account reconnected to the accounting software. I have reached out to PNC, and they say there is nothing on their end causing the problem, the accounting software providers say they have issues with PNC. My wife banks with PNC, and her connection with her bank account is still working with no issues. I just want to get automatic downloads of transactions working again, so they don't have to be manually added.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/2024, while reviewing my statement with Barclays Bank, I noticed an error in my balance. Upon closer inspection, I found that the bank was charging me interest as a purchase. The statement indicated that the interest was added to my balance as a purchase and I no longer use this card. Surprisingly, I discovered that the bank was treating the interest as a purchase each month and adding it back into my balance, resulting in them charging interest on that amount as well. Also stated I am making the purchases. This seemed like double paying on the interest to me, and I am unsure if this is a legitimate practice for the bank to follow.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I have a 15 year fixed mortgage loan in the amount of XXXX with a 9.850 % interest through PHH ( started with GMAC, sold to Ocwen, merged with PHH ). The original note states so will pay principal and interest in the amount of XXXX each month. In XXXX of XXXX I received a letter that my loan had matured as of XX/XX/XXXX and I now owed the remaining balance of over {$20000.00}. 
I called after receiving the letter and was told there was an extension on my account and I could continue with the regular monthly payment. In XXXX of XXXX my payments started being held in a suspense Account and no long were being applied to my loan. I have spoken to 6 PHH agents to try and figure out what is going on and have gotten nowhere. I was told at one point I had a HELOC loan which so do not.

I can not figure out how I still owe over {$20000.00} on an original note of {$26000.00}.
Consumer complaint received 2020-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I went into the Toyota dealership in XXXX, MS in XX/XX/XXXX, and purchased a XXXX XXXX XXXX, and initially, I bought the extended warranty on the vehicle. The extended warranty purchased totaled {$3800.00}. After thinking it over the following day, I told the finance manager that I did not want the extended warranty and to please remove it from my contract. I reached out multiple times and each time she told me the additional care ( {$3800.00} ) would be taken off the contract. Over the span of 6 months, I reached out and requested action on this issue because it wasn't showing up on Toyota Financial 's interface. On one occasion, I requested proof because I was starting to become skeptical of its existence, and like all the other times, I did not hear back about it. In XX/XX/XXXX, I sent one final message requesting action and she read the message but decided not to respond. Therefore, I found it reasonable to escalate it to her management team. Over the course of two weeks, I've called the general manager, general sales manager, sales manager, service manager,  and dealer principal. I did not hear back from any of them on the matter. I've been paying interest at 3.79 % for {$3800.00} ( amortized ) since XXXX of XXXX and the team, specifically the financial manager, have in my opinion unethically dodging action to their benefit trying to take advantage of a young servicemember because they don't think I can do anything about it.
Consumer complaint received 2020-05-31
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. (NJ)

Experian continue to report inaccurate and incomplete information on my credit file. I have reached out to Experian several times and sent in doucmentation proving the information being reported is incorrect however it still appears on my credit file. I have also tried to call and explain this dispute and currently a incorrect public record still appears hurting my credit tremendously.
Consumer complaint received 2024-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (TX)

I recently requested a co-signer release due to a XXXX which was acquired on my job in XXXX. I was approved for XXXX via the Social Security Administration in XXXX. I submitted the necessary documents to the lender who in turn denied my requested. The reason, I will up for reevaluation in XXXX years. That is not the case. I took a medical retirement from my employer in XXXX, I have not worked because I can not work. 

I have requested a detailed statement of all payments made to XXXX and XXXX XXXX, the original lender. It is my belief that XXXX has not applied the payment correctly. Resulting in a higher balance.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX - reported XXXX late XXXX student loan payments in Violations of the Fair Credit Reporting Act, XXXX U.S.C. XXXX. 

They have mishandled desperately-needed federal relief granted to students under the Coronavirus Aid, Relief, and Economic Security Act, Pub. XXXX XXXX. XXXX, XXXX Stat. ___ ( XXXX  ) ( the XXXX XXXX XXXX, by, among other things, inaccurately reporting information about student loan payments that were suspended under the XXXX XXXX. 

A class-action lawsuit is needed.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WY)

Received letter dated XX/XX/XXXX from Wells Fargo Customer Care in XXXX, OR. Letter told me their records indicated I was enrolled in ACCIDENTAL DEATH product from XX/XX/XXXX - XX/XX/XXXX. If I did not authorize this enrollment I was to call them at XXXX so that they could Care for any impact the enrollment may have caused. 

I called the above number and, after giving my name and some numbers on the letter ( SHRP #, Membership #, Reference # ). They were not able to answer my questions and transferred me to another person which I waited on hold for nearly 5 minutes only to be told that they were not able to provide me with the information I had requested as they were contracted by Wells Fargo and didnt have access. They would forward my request and I should be receiving a letter in the mail from Wells Fargo regarding the matter. 

I then looked up information about Wells Fargo and learned that they had sent these letters to many people and others had had the same experience as I did when they phoned.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of information this information is impartial and is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2020-05-31
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: Santander Consumer USA Holdings Inc. (FL)

I have a new car loan with Santander Consumer USA. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, Santander WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Experian responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Onity Group Inc. (VA)

My mortgage was refinanced using the HAMP act ( I believe it was XXXX? ) under the Obama administration via Ocwen Loan Servicing. During that process, my loan debt was forgiven in the amount of {$87000.00}. I received a 1099-C Cancellation of Debt in XXXX  for the amount of {$87000.00}. In XXXX, I sold my home and at closing, the new servicer, PHH Mortgage, added the {$87000.00} forgiven amount back into the balance due at closing. It has just now come to my attention, after reviewing my records for another purpose, that this cancellation of debt forgave the amount and it should not have been factored back in at the time of the XXXX  closing. What recourse do I have to recoup the {$87000.00} that was actually due me? Please advise at your earliest convenience. I have the original XXXX  Cancellation of Debt as proof.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX my bank account was hacked, I discovered on XXXX when I logged into my account and saw over {$3000.00} in transactions charged to my account from XXXX, XXXXXXXX XXXX , and XXXX. I called my bank and started a fraud claims. Today I discovered the claims were dropped and the bank is refusing to cover the fraud because my pin was used and they cant confirm it wasnt me who made the purchases. Even tho I cant be in 3 states at the same time. They said I approved the text message alerts. I never received alerts via my phone of such transactions and would never approve them anyway. That would have been a red flag that my account was even hacked and would have dealt with the issue on XXXX and not XXXX. So because of those 2 things Chase bank said its my fault and to start my own investigation into the businesses that accepted my debit card. Not sure how a multi million dollar company cant protect their customers to fraud and identity theft. But instead want me the customer to get to the bottom of this all while leaving over {$3000.00} of my money missing.
Consumer complaint received 2022-07-18
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. (IL)

In accordance to the Fair Credit Report Act 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2016-05-12
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Loan Service Corporation (AZ)

On XXXX/XXXX/2016 I received a Debt Validation Notice letter from Quality Loan Service Corporation ( " QLS '' ). 
On XXXX/XXXX/2016 QLS received my Request For Documents ( " RFD '' ) letter via Certified Mail. In my RFD I requested validation pursuant to the FDCPA. I also requested information and documents pursuant to Arizona 's Administrative Code, XXXX, FINANCIAL INSTITUTIONS, AND INSURANCE, Chapter XXXX XXXX, XXXX XXXX, and specifically XXXX Disclosure of Information to Debtor. 
As of XXXX/XXXX/2016 I have received no response from QLS. Since that time I have searched on the Arizona XXXX website and was unable to locate a current AZ Collection Agency license for QLS.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC (CA)

My name is XXXX XXXX XXXX XXXX, and I currently have my vehicle loan with Westlake Financial, with a balance as of today of {$23000.00}, for which I have duly paid 14 installments, as can be verified. Since XXXX, I have tried to communicate with the entity because they have refused to report my credit information to the various credit bureaus. On several occasions, I have contacted them by phone, and the customer service supervisors state that they will not report the financial information ( current credit, payment behavior ) because my social security has the initials of a work permit. I expressed my disagreement because at no time does financial information law exclude people who have a social security number with a work permit. There is no regulation that establishes these conditions that Westlake Financial invents. This situation is affecting me and my family, as it is well known that credit is an essential tool since it is through this that banking entities obtain information to grant mortgage loans, housing loans, student loans, and others. I currently enjoy an excellent credit status due to my banking relationship with different financial entities. However, the reason for my complaint against this entity is that they state that they will not report my vehicle credit information because I do not meet the requirements they have set. Likewise, it is disrespectful that they refuse to receive the complaints and claims I have made, as all their agents have told me that they can not escalate my case and that they can do nothing for me. 

Now, I emphasize again with the entity, on the point of current legislation, because the entity can not exclude me from reporting my credit information due to its internal policies. In the law or all the international treaties signed by the United States, there is no exclusion for people to report their financial information to credit bureaus for having a social security number with work permit initials. Moreover, as a financial consumer, the entities could not qualify my immigration status and thereby exclude me. It is a matter strictly for government entities responsible for immigration statuses who could exclude me. However, obtaining a social security number, even though it comes with a work permit initial, does not mean that I can not enjoy all the financial benefits that the law grants me, including obtaining financing from financial entities. This constitutes a clear violation of my fundamental rights as a financial consumer by the entity. It is for these reasons that I file this complaint, in order to make Westlake Financial report my vehicle credit, which is associated with account No. XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ProCollect, Inc. (SC)

I have been monitoring my credit report due to data breaches. I noticed a collection from Pro collect. I did not notice. I have contacted all three credit bureaus. The company agreed and removed the collection from my credit report then they later on added the account back. I have attached proof.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I had a loan opened with Credit Acceptance in XXXX for a XXXX XXXX. In XXXX the car broke down. The company was contacted and asked to come and get the vehicle with no action taken. Later in XXXX my family and I became homeless and had to relocate. Again, the company was contacted and asked to come and get the vehicle and informed of my situation of homelessness and job loss. Still no action taken. I had already moved and was finally told in XXXX that they had come and gotten the vehicle. They continue to leave this loan on my credit report and continue to harm my credit.