davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (GA)

Please note the application for credit was applied for by the salesman. The salesman explains the terms as you will have to pay an initial amount upfront and then you will have five additional payments which will be auto drafted. He asks you a series of personal questions and puts the information in the system and then tells you the amount you have been approved for. I did not receive any type of paperwork with actual terms listed before the transaction. All I had to stand on was the words of the salesman. After the transaction you are given your receipt. 

Later after calling Tempoe , LLC is when I found out the terms were on the receipt. It still does not rectify the fact the actual terms are not received until after the transaction. **Note : the terms explained by the salesman were in the top of the receipt but in smaller print on the receipt were the terms regarding a lease. ** I argued I did not owe any additional payments and became so frustrated I told the representative, you do not have permission to withdraw any additional payments from my account. I stated consider this contract null and void. I also told her I would return the merchandise. 

When I tried to return the merchandise to XXXX they stated it was not theirs and I could not leave it with them. Therefore, I called Tempoe , LLC and asked them to come get their merchandise. I did not receive any additional communications from them but a few days ago I was contacted by a debt collector ( XXXX XXXX XXXX ). 

**The organization acted deceptively, with misleading conduct and false representations. ** Lead to believe payments made are going to the purchase of the item. Instead you find out after the fact you are leasing rather than purchasing. This violates the truth in lending act ( TILA ) know before you owe ( KBYO ). The company has become known for its inconsistent and predatory lending practices. 

Requires disclosure in the cost of credit. Must receive in writing the finance charge and APR. Would not allow return of the property. Creates a cycle of continuous debt and refinancing which is illegal in the state of Georgia.
Consumer complaint received 2019-04-29
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. (TX)

TransUnion has been allowing XXXX to report false information to my credit report i have requested verification from TransUnion regarding these accounts and they have fail to send me my request the accounts are not mine i have no knowledge
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (TX)

We filed a compliant last XX/XX/2020 with you all Ref. XXXX with you all and they were to stop any further actions due to not being able to produce docs that they were representing the Treasury Dept and DOD ( Dept of Defense ). They are now endeavoring to have our personal Oregon XX/XX/XXXX tax refund short paid by {$1300.00}. I am having to file an appeal that cost me {$280.00} for the OR Tax Court to review and stop this effort. Please help stop these unfair and dishonest practices from the CBE Group. They place this dis-information on file with the XXXX XXXX , Tax Courts and through the mail to focus on Federal employees and military. Then represent themselves as a third party contracted by the Government and believe if you owe the military or federal they settle directly through your paycheck. Please help reopen this claim against CBE Group and address this collector 's conduct of continuing to collect on a debt they can not back up with documentation.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (FL)

Exeter Finance Corp is in violation of my consumer protection rights 15 U.S.C. 1692 ( g ).

They were to notify me of this debt in writing 5 days prior, I was not. As the consumer, I feel like they have caused defamation against my credit and my name. This is what this company, Exeter Finance Corp, has done to my credit profile. They auctioned the vehicle for {$20000.00}, they did a tax write-off for {$29000.00} and then they sold the debt to a collection agency by the name of XXXX XXXX XXXX XXXX. exter finance still report updates on my credit file XXXX which on my credit profile the loan was processed XXXX i need you're help
Consumer complaint received 2019-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I have found out the hard way that zelle doesn't have payer protection. I met this guy on XXXX  and was moved onto XXXX chatting about a product that I wanted to buy off of him. I ended up paying him {$300.00} and havent heard from him since. So I searched up if there was a way to get money back from Zelle and turns out you cant.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (IL)

On XX/XX/2019, I tried to open a new savings account with Vio Bank ( additional name or website for MidFirst Bank ). After completing the steps for the application and providing all my personal information, a page opened telling me that they were unable to process my application and provided a number for me to call ( XXXX ). I called the number and spoke with a representative where I provided my name, the last four digits of my social security, and my date of birth. I inquired about why my application could not be processed and I was told that they would not provide me any explanation. I called again and was once more told that they would not provide me with any explanation for why my application could not be processed. I asked to speak with someone else about the matter and they refused. Left with no other option, I hung up.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (LA)

I XXXX XXXX am in violation of my consumer rights pursuant to the FDCPA 15 usc 1692 by Genesis FS Card Services. 15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, Genesis FS Card Services used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b ( 2 ) defines, not state that such consumer owes any debt. Genesis FS Card Services stated in letter that " This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. Genesis FS Card Services is in violation of The Fair Debt Collection Practices Act ( FDCPA ), and is now civilly and criminally liable.
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc. (AZ)

CBCS is trying to collect a debt for {$37.00} for an injection not covered by Medicare Health Plan Insurance. 

CBCS represents XXXX XXXX XXXX XXXX XXXX for a service of injecting some medication which was not approved by my Medicare Health Plan Insurance as medically necessary needed for my treatment, consequently, I am not financially obligated to pay the {$37.00}. Medicare said that if not covered by my health insurance plan I don't have to pay it since I did not know at the time of the service for what the physician gave such injection. 

XXXX XXXX XXXX XXXX XXXX and CBCS are aware that I am covered by Medicare which is a fixed contracted price service which approves medically necessary medication only.
Consumer complaint received 2022-12-14
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. (LA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2021-06-09
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: BMW Financial Services NA, LLC (AR)

XX/XX/XXXX I had an issue with BMW of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at BMW. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called BMW Financial and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/XXXX.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX ) from ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XX/XX/XXXX,  XXXX went into a war with the XXXX groups ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an account with XXXX XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with XXXX.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CO)

Our online account was hacked and they wiped out our checking and savings accounts- {$160000.00}. Since it was wire transfers and I had to give them a code, Wells Fargo closed the case and will not give us back anything. It started by hacking Wells Fargo and getting in our and knowing all our information. They went through transactions because they were in my account, they called from Wells Fargo numbers, they sent text like Wells Fargo. This has been a HUGE life changing loss and Im looking for anyone to help. I was in a Wells Fargo branch Worthing 45 minutes of 2 of the transfers and they couldnt figure out how to login and stop the transfers. They did not communicate during the process and basically told us tough luck. Its been a horrible experience and Im looking to see if anyone can help.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Consumer complaint received 2022-09-27
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. (FL)

XXXX Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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 instructions.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NM)

I have a Paypal Credit Account. Paypal routinely offers 0 % Promotional Offers and Interest is deferred and not billed if the Principle is paid in full by the end of the promotion. 

Seems easy enough except that it is almost impossible to make a payment and insure that the payment is allocated to the Promotional Balance and not the standard Credit Line Balance. It appears that Paypal is encouraging its customers to default on the Promotion by making it near impossible to pay off and end up getting charged the Deferred Interest. Below is a recap of how difficult it was for me to make this Promotional Balance payment. 

I currently have 2 Promotional Balances coming to Term XX/XX/XXXX and XX/XX/XXXX of XXXX. On the PayPal Website I can easily see my promotions and when they are coming to End of Term. However there is no way to make a payment on the promotional balance. There are no instructions on how to make a payment to promotional balances. I read all of the FAQ 's and read nothing around making a Promotional Balance Pmt. 

Last week on XX/XX/XXXX i called Paypal 's customer service and stayed in the que for 20 min before being disconnected with the automated recording saying " they were experiencing high call volumes and to call back later ''. Today XX/XX/XXXX I called back, waited 10 mins on the que hold before being answered. The Customer Service Rep answered my question on how to " make a promotional pmt '' by saying just pay more than the minimum and it will go towards the first due Promotional Balance. I told her I disagreed with that approach because typically a pmt more than the minimum will just go towards the total balance. She asked me to hold while she talked with a Supervisor. After 10 min she got back on the phone and said you have to make a pmt with me and I file a ticket for my back office to allocate the pmt to the Promo Balance ( which takes 5 bus days to complete ). i made the pmt with her and hung up. 

My concern here is that this is predatory lending. Paypal gives you a Promotional Offer but makes it near impossible to pay off in full ; triggering the deferred interest at extremely high rates 26.24 %. If I had taken the Customer Service Rep 's first advice I would have been charged the deferred interest. Since I was lucky and pressed on the correct pmt issue I now have to wait 5 days for a back office team to post to my promo balance and " hope '' they do it correctly. if I had called 1 day before the Promo expired I am not sure if I would be able to pay in time since the back office needs 5 days to post. This was never explained to me. 

Thank you for looking into this, feel free to contact me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

I received a letter that my account was being closed effective XX/XX/XXXX XXXX I contacted Chase and no one could give a reason other than a review team reviewed it and decided to cancel my card. 

I have had this card for years with no prior issues. This effects my credit standing when credit cards are closed by the company with no reason or explanation. 

I was further told that I could never apply for a credit card with Chase in the future.
Consumer complaint received 2019-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services (CA)

I filed a complaint last XX/XX/2018 against this same company claim number XXXX Today I received this message below : " Hello, once again, this is XXXX XXXX what I attempted to serve you at your residence and your place of employment to gain your signature in regards to the legal documents. However, I was unsuccessful in doing so now, I am obligated under these documents as a director if you will be fine at this point the process will continue without you if you wish to stop any and I'll proceedings please contact the filing party at XXXX. Please reference account number. '' They called from a cell phone XXXX. I called the number and got a message that it was Cordoza and Wexler again.
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (SC)

My debit card I'd ss card sons ss card and checks was stolen I disputed the transactions made police report and my bank will not refund my money over {$600.00} dollars. Regions Bank is nothing but liars and thieves
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CO)

2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XXXX/XXXX and XXXX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX  XXXX, XXXX XXXX, LVNV and XXXX  XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.