davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Inaccurate late payments are showing on my credit file. This has caused me tremendous stress. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roach & Murtha, P.C. (NY)

I received a letter from XXXX XXXX XXXX XXXX @ XXXX. The envelope came to my address with a sticker that had my name on it. In addition the envelope merely had a return add., no company name. I thought that it was an advertisement. Upon opening the letter I truly believed that this was an advertisement, or a scam. The letter had NO creditor listed. They were merely offering me a " Winter Tax Savings ''. I was offered no opportunity to even dispute this alleged debt from the unknown creditor. This is the first and only communication that I have ever rcvd from this office. Additionally, the signature is a photo copy of " XXXX XXXX '' 's signature. The letter also states a current balance of {$340.00}. However, the offer is for " 25 % off of the current balance due and owing ''. How much are they demanding? They also state that the payment must be made in a " lump sum ''. If this is a valid debt, from a valid creditor, they can NOT demand payment in full. Also they have failed to provide their consumer debt collection license. 
This Law firm has clearly violated the numerous laws within the FDCPA and furthermore my consumer rights. 
I am asking for immediate sanctions to be brought against this firm, and they should be thoroughly investigated.
Consumer complaint received 2019-01-25
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. (NC)

I am attaching a copy of the investigation request that I sent to Equifax and XXXX XXXX on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX File Number : XXXX XXXX XXXX XXXX : XXXX XXXX {$120.00} Dear Credit Management LP, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2024-11-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Wheels of Chicago, Inc. (IL)

I am filing a complaint regarding my vehicle purchase from Wheels of Chicago, which has led to serious financial harm due to predatory lending and deceptive contract practices. 

I, XXXX XXXX, purchased a XXXX XXXX from Wheels of Chicago on XX/XX/XXXXXX/XX/XXXXat an inflated price of over {$16000.00}, nearly three times the cars market value. The financing terms mean I will end up paying over {$30000.00} until XXXX, far beyond what I believe is fair. While the signing process of contracts was being conducted, the employee wouldnt let me read every document that was being signed in order to inform me of what was being agreed upon and forced me to sign everything without the knowledge of each disclosure. Below are some issues I have faced since the purchase. 

Key issues include : 1. Excessive Interest Rate : The high-interest loan terms make repayment difficult, which seems to be a predatory lending practice. 


2. Lack of Disclosure : The dealership did not fully disclose the actual cost or high interest associated with the loan, which may violate TILA. 


3. Vehicle Quality : The car has needed repairs since the first day, indicating potential misrepresentation of its condition.
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

My Wife and I XXXX XXXX XXXX Purchased a XXXX XXXX XXXX in XX/XX/2013 with my wife being the cosigner. We fell behind on the payments and The Vehicle was repossessed. I haven't had the vehicle in my possession in over 4 years. However, Well Fargo dealer services is still charging me for the full amount of the long,  damaging my credit rating. The vehicle VIN Number is XXXX WELLS FARGO DEALER SERVICES Account Number : XXXX ....
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NY)

XX/XX/2019 I logged into my credit card online account and scheduled a single payment for XXXX dollars. Two listings in the scheduled payments queue appeared. Each listed scheduled payment as the ability to click on it individually and cancel it. I intended to cancel one of the two scheduled payments, with no explanation of why the two listings appeared after only one payment was scheduled in the first place. Both listings of the scheduled payments disappeared. This left me with no scheduled payments pending and I was left to again may a second attempt to enter a scheduled payment. Again two separate listings appeared, this account was rather new to me and I made the determination this must be how the website lists a payment schedule in its pending payments section so I tried to make no further attempts to fix this. I had faith only one payment would process and this is just a programing graphic glitch. The next day two payments processed to my original concerns. I called the credit card company immediately and was told that one of the two identical  payments would be refunded in 24 hours, Saturday. No refund appeared and I checked again on Monday with nothing having taken effect. I called again and was told the last agent I spoken to on Friday was very incorrect and it would take three weeks. I told the agent that was way too long to wait for US Bank to correct their programming error and get back my XXXX dollars. I was then told I can call my own bank to contact US Bank to expedite this, then I asked what information do I need to refer to my bank so they knew how to proceed. I was placed on hold for a long time and then told to forget that original set of instructions. That there was no need to contact my bank because that is not part of their internal processes. I would just have to wait three weeks as originally told before being placed on hold. I told them I wanted to cancel my card and make payments on the balance for the rest of the term that I had an introductory zero APR. I was told if I pursued canceling my credit card that my introductory zero APR would end. I complained that US Bank really made some huge mistakes beginning with their website and their process for fixing them. I was told if there was nothing else they were going to end the call on me. I am afraid to use my credit card online account because a double payment can happen the next time I schedule a payment.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX three VISA prepaid gift cards ( The Visa Gift Card is issued by XXXX XXXX XXXX XXXX pursuant to a license from Visa U.S.A., Inc. ) were purchased from XXXX XXXX XXXX XXXX, each with a gift value of {$120.00}. I was presented one of these cards, as were two other friends, as a gift. Prior to any of us being able to use the cards, we found out that the three cards had been fraudulently used. I found this out when I attempted to register the card at XX/XX/XXXX and was not able to do so. I found out that the card had been used for {$110.00} on XX/XX/19 and on XX/XX/19 for {$5.00}. 

I first attempted to register my card on XX/XX/XXXX. When I called customer service per the instructions on the website, I was told to fax ( not email ) copies of the original gift receipt, the front and back of the prepaid gift card, and my ID ( including enlarging the materials 200 % and lightening them for the fax ). Which I did on XX/XX/19, and the facsimile machine confirmed receipt. After not hearing from the VISA prepaid gift card company, I called on XX/XX/19 only to be told they never received the fax. So I re-faxed everything again on XX/XX/19 ( again receiving a confirmed fax report ). After again not receiving any response, I called the company yet again on XX/XX/19, the company told me the copy of the original receipt was not clear enough and to-refax it yet again. On XX/XX/19, after not hearing anything from the company I called yet again ... this time they told me the copy of my ID was not light enough and to refax it yet again. 

This is worse than the thief who stole the money off the cards in the first place. For that matter, I'm beginning to think the whole thing is a scam. I mean, it's 2019, who doesn't allow you to EMAIL documents in! Relying on a fax?!?!? And not calling me ( even though every time I included my phone number on the faxed messages ) despite the multiple iterations of faxing the materials?? These guys are just making it impossible to get the money that rightly should be refunded and put back on the card!! VISA XXXX is a horrible business!
Consumer complaint received 2019-09-16
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. (CA)

XXXXXXXX XXXX XXXX began sending me bills ( XXXX? ) with ~ {$1200.00}. balance I contacted the company directly and explained I did not open an account ( for their mail order catalog products? ). No items were never shipped to my address. 
XXXXXXXX XXXX  began late reporting my credit anyways for months. 
I reported the XXXX account as part of identity theft suffered. 
I reported XXXX to Equifax, but still in XXXX, it is showing to creditor who pull my report. 

I am requesting this derogatory false information be removed from my credit report immediately, as it is harming my ability to refinance my property. It is holey inconsistent with the rest of my credit accounts and history. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX, I attempted to redeem XXXX rewards points from PayPay Synchrony Extra Mastercard. Due to unknown system glitch, my rewards balance reduced from XXXX to  XXXX points but I did not get the promised {$50.00} cash rewards. 
This has been a month that both PayPal and Synchrony Extra Mastercard putting me on a circle without any corrective action.

I am very disappointed with incompetent PayPal and Synchrony Bank. 
Thank you. 
XXXX XXXX ID : XXXX Card Acct # XXXX Phone : XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It XXXX Concern, I am writing to formally dispute the following account listed on my credit report, which is impacting my apartment search, loan applications, and payment installments : Capital XXXX ( Account : XXXX XXXX XXXX ) According to the Fair Debt Reporting Act ( FDRC ), I am entitled to an accurate credit report. However, there are discrepancies with this account that render it unverifiable and necessitate its deletion. 

DISCREPANCIES XXXX. Name on file is XXXX XXXX. My name is XXXX XXXX XXXX XXXX XXXX. Late payment on file ; I have a letter stating there's no delinquencies on the report Thank you for your prompt attention to this matter.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

IVE BEEN DISPUTING INFORMATION REPORTED ON MY EQUIFAX REPORT FOR ALMOST A YEAR WITH NO SUCCESS BECAUSE THEY KEPT VERIFYING THE DEBT AS ACCURATE INFORMATION. I HAVE NEVER OWNED A XXXX   CARD ACCOUNT AND THIS IS A FRAUDULENT ACCOUNT. IVE ALWAYS DISPUTED THIS ACCOUNT AS NOT BELONGING TO ME. I HAVE NOW COMPLETED A FRAUD AFFIDAVIT FROM THE FTC TO ALSO HELP WITH THIS DISPUTE.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 fraudulent transactions with my debt card. 
Total of 6 transactions. 
1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX I did not make these charges! I called the bank the same day they were done ... they emptied my account! 
Now bank returned # 1 and # 2 ... all others were denied! 
I dont know what to do! Its so unfair! 
Help!
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (TX)

Company : Synchrony Bank Credit Card : BP Visa Description : Moved from XXXX   to XXXX. Disconnected land line in XXXX. Set up land line in XXXX through XXXX XXXX XXXX cable, phone, internet ). Cell phone through XXXX XXXX. Synchrony Bank uses cell phone to call regarding late payment. Refuses to use same phone number for identity verification. Claims that their outside agency does not verify that number as part of their system therefore they can not use that number to call me with an identification code. Asked them to call land line but had the same issue. Stated that they could send me a link to the number that they were calling me on to demand payment and I could take a video of myself with my identification card and send that back to them. Told them that I had never taken a video of myself in my life so that their system might work for some but was not working for me. Was told that they could send me a letter which would arrive in a week and them I could call them back and they would update my telephone information if I could tell them what was in the letter. 

Issue : Synchrony Bank has instituted a system that discriminates against senior citizens. I have a cell phone but it is not good enough for them because as a company that targets seniors, XXXX XXXX is not worthy of being in their verification system. If they are supplied with a cell phone number by the customer that they use for collection, they also need to use that phone for identification verification.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

We have been harassed by a company -- XXXX XXXX XXXX XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with Best Buy. Please have them cease and desist.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XXXX I sent an email to the XXXX XXXXXXXX XXXX XXXX requesting a duplicate wall certificate. I requested specifically a certificate and not a wall license. On XXXX I paid {$40.00} to the XXXX XXXXXXXX XXXX XXXX after I received an invoice from them. On XXXX I received in the mail the wrong item. I received a wall license but I did not receive the certificate as requested. I contacted the XXXXXXXX XXXX XXXXXXXX but they stopped responding. I initiated a dispute on the Citi mobile app, however I accidentally clicked Withdraw Dispute. I called Citi to inform them about the error, and I asked to to either fix the error or reinitiate the dispute. They told me they will get in touch with me. It has since been 7 days and when I call Citi they have no information. I am looking to the CFPB to help me resolve this issue so I zany have {$40.00} credited back to me.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KBHS Home Loans, LLC (AZ)

We ( my XXXX year old mother and I ) have been trying to buy a house since XX/XX/XXXX ( date of the earnest money check ). We are buying a KB Home and financing with KBHS. This financing company has been so incompetent. The loan officer did not know why I wanted to know the APR. I had to tell her several times how much money we wanted to put down before she got that correct on the closing disclosure. We were supposed to sign on the XXXX of XXXX. We were told all the papers were on the underwriters desk and that all we were waiting for was a signature early on the XXXX, only to be told later on in the afternoon that the closing would not happen until the XXXX of XXXX - no explanation given. We signed on the XXXX and were told we would get the keys to the house on the XXXX of XXXX. Now the finance company wants a covered policy binder from my insurance agent who sent them " evidence of insurance for mortgagee '' on XX/XX/XXXX. So now I have no access to the house, furniture arriving, and utilities scheduled to be turned on, and they are quibbling over a date on an insurance policy. I can not believe this is not something that should have been resolved a long time ago.
Consumer complaint received 2020-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (AL)

I sent a letter onXX/XX/XXXX to Spotloan to revoke ACH authorization any further. Then today I find that money has been debited from my account anyways. I also sent another letter stating at the top that the original was sent on the date above. I got a response but no acknowledgment about there being a prior letter for ACH revocation. 

It reads this : Date ___XX/XX/___________ Name_XXXX XXXX ___ Address_XXXX XXXX XXXX XXXX___________ Email_XXXX_____________ Attention Payment Department Lender Name_Spotloan _____ Fax : N/A_____________ Acct No. __XXXX_______________ To Whom it May Concern : I hereby revoke any and all ACH debit authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers and NACHA  regulations amended XXXX. I am revoking any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-30
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. (IL)

On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX. XXXX  responded with stating an investigation was started but never followed up with the investigation results, no response from Equifax or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from XXXX and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...