davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Dear Consumer Financial Protection n Bureau, On XX/XX/2018 I request a financial assistance for my existing auto loan with Fifth Third Bank, auto Loan # XXXX. This lengthy and biased process requested me to submit many times the same application and multiple personal account information, mainly with the intention of create de-motivation from my side and stop requesting this assistance I really need. I am trying to pay my debts, this is why I submitted this financial assistance request, but big was surprise when on XX/XX/XXXX I received a letter letting me know that my request was denied because I have a high debt in relation to my income. The main reason for the request was to reduce my monthly car payments because I do not have enough money to pay, and although I have debts I still want to pay my auto loan. Please help me in find a solution to my current issue by asking the bank to provide me assistance. 
On XX/XX/2018 I called Fifth Third Bank trying and talked to XXXX from Auto loss mitigation counselor trying to get information about the letter I received, but I was entitled unfairly, and mistreated because all I wanted was to get information on the letter I previously received. I am a XXXX customer who also deserves to be treated with respect, I have never missed a payment before in this loan, and all I asked was payment assistance, and help to pay this debt sooner. I have also sent emails trying to get in touch with Fifth Third banks senior vice President XXXX XXXX, but never got a response. Here is one of the emails I sent to him : to : XXXX Fifth Third Bank, This e-mail is in regards to my previous e-mail asking to have contact information with one of the bank representatives, but got no response from the bank. I would like to get in touch with Fifth Third banks senior vice President XXXX XXXX. Please let me know his e-mails or phone number because I need to get in touch with him. Looking forward to hear from you, Thanks XXXX XXXX XXXX : Auto Loan # XXXX I am also attaching the letter they sent me.
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

I received a bill in the mail from this company on XX/XX/03 stating that I owed a dental bill. Before I could call them, they placed it on my credit report, which is illegal. I have 30 days to dispute the bill, which I am disputing the bill but this should not be on my credit report. Also according to FDCPA, section 15 USC 1692g, it is unlawful to place debts on credit reports withhin 30 days of contacting the debtor.
Consumer complaint received 2024-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (IL)

I got a promotion 0 interest for 12 months For XXXX XXXX. Through XXXX XXXX Wells Fargo ( XXXX ). My project started XX/XX/XXXX at XXXX and ive never missed a payment. I did a balance transfer through XXXX XXXX  XX/XX/XXXX my remaining balance was XXXX I made regular payment thinking it didn't go through. I went to bank and they said it went through. I call Wells Fargo they said they didn't receive gave me correct address. I gave my bank my statement I don't know how the address got goofed. Wells Fargo said I can open a claim till that payment goes through. today I called Wells Fargo and they said they can't removed the interest they can take XXXX off of the XXXX interest if I pay it today. They are not willing to do anything. they didn't charge me interest on what I owed first off. my account went from XXXX to XXXX. almost what I started out with from the start. That's crazy. Im getting scammed they are not willing to forgive anything. my bank says they can't do anything they will speak to someone higher up and get back to me. what can I do. I have proof that full payment was made. as soon as I found out I fixed it and they received that full payment today XX/XX/XXXX. Please help me. they charged interest of the full amount. what is the point of making on time payments. no one disclosed to me any of this information that it would be like this. please help
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

XX/XX/18 wanted a release of credit freeze for a day. Had to give equifax data that was not available me @ the XXXX store. XXXX data to Equifax XX/XX/XXXX and they told me the release of freeze would be in 1 hour and last for 24 hours.Returned to XXXX XX/XX/XXXX and credit freeze was not lifted. Equifax wanted me to go through the same mind boggling questions .ried to do that at XXXX but Equifax was not satisfied. Tried to escalate my problem but got nowhere. XXXX was able to get around problem and start my account. 

Equifax claimed there was a computer problem. They are extremely difficult to deal with. Either they should be required to have more competent employees or computers that work properly or both.
Consumer complaint received 2018-11-15
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: SYNCHRONY FINANCIAL (CT)

I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from Paypal Credit. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through XXXX/the 3 major credit agencies. I did just that and XXXX  said " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from Paypal Credit from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted Paypal and XXXX  and neither one was able to resolve this.
Consumer complaint received 2021-09-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SLM CORPORATION (TN)

I was informed on XX/XX/2020 via email that my account was placed in a frozen status based on suspicious activity. The letter stated to contact them as soon as possible to resolve the issue. I called on XX/XX/XXXX and was told by XXXX I needed to submit by postal mail a color copy of my ID and 3 bank statements OR pay the balance due to unfreeze the account. I asked what led to this - were their suspicious charges? The response was " can not explain suspicious activity or confirm there even is any ''. 

I had already reviewed the charges posted to the account and they were all legit. 

I sent the requested info by postal mail and continued to pay the balance in full by due date. 

The next statement arrived and found the rewards feature of the account had also been frozen. 

I called to follow-up on XX/XX/2020 and was told by XXXX they had not received the requested documents - to call back in a week or so. 

I called to follow-up on XX/XX/202 and was told by XXXX they have not received the requested documents and someone would call me when they arrived. 

I called to follow up on XX/XX/2020 and was told by XXXX she could not confirm whether the requested documents had arrived or not. I told her that I had since paid the balance in full - could they unfreeze the account? She said no - I must submit the requested documents AND pay the balance in full. This was a change from what I was originally told. 

I am left to wonder - if they can not provide any info on the alleged suspicious activity - had my identity been compromised? Or some other suspicious activity in my name occurring? Am I the one they are suspicious of? It seems very unreasonable to take this action and refuse to provide any additional info.
Consumer complaint received 2023-08-08
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: Medical Data Systems, Inc. (GA)

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OK)

I would call once a month to complain about Barclay bank 's ridiculously high usurious interest rate. On one such calls in XXXX, I was told by a Barclaycard rep that there was a special 0 % interest that they would offer me on all purchases for a six month period. I accepted completely the offer and assumed that it was effective, immediately. Following the acceptance of this 0 % special offered to me, I made close to {$6000.00} in purchases, knowing that Barclay had offered and I accepted a 0 % rate for purchase. In XXXX, looking at my statement in noticed that I was being charged interest at 24.99 %. 
I called in to customer service and I was told that I was never offered a 0 % on my card ending in XXXX. And they refused to remove the interest charges. 

This is plainly the illeagal " bait-n-switch '' con game. 

On XX/XX/20, I paid {$5000.00} in order to avoid their ridiculous usurious interest rate being charged to my account any longer but they never credited my payment. 
I inquired with my bank and was told " the payment was sent to Barclay '' but they never credited my account! 
I am sick of constantly being ripped off by the lying, thieving, two faced, money grubbing, back stabbing scum Barclay bank credit card company! 

I demand that my payment be credited, and that the interest charges be reversed! 
I, my family, my company, my friends and anyone I can tell will NEVER DO BUSINESS with such a corrupt horrible company like Barclay!
Consumer complaint received 2023-06-13
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX, and XX/XX/year> we met with a mortgage representative from Bank of America to find out why they were raising my mortgage payment in the amount of {$460.00} per month. We were informed that there was a shortage of escrow in the amount of appx. {$3500.00}. I reviewed both tax and insurance information for the last 4 years and could find no significant increase that would justify the shortage of escrow. I also called the main mortgage dept. for inquiry into the problem; was on the phone for an hour and through all the conversation, did not receive a satisfactory explanation for the increase.
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (NM)

On yesterday morning, Monday, XX/XX/XXXX I foolishly responded to an email from this company that suggested they could get find me a small loan. I agreed to let them search for said loan. I ended up changing my mind halfway during the search after confirming the last XXXX digits of my social security number. 

They then proceeded to call me over and over again all that day. I wake up on Tuesday, XX/XX/XXXX and their is {$500.00} in my bank account. I go to the website where they force me to make a password and see that they are now planning to take out over {$300.00} a month from my account from XX/XX/XXXX to XX/XX/XXXX. This is insane! I did sign any documents. New Mexico requires you at least digitally enter your name as confirmation. I need help ASAP. This website will not help me. I just want them to cancel this and take their money back!
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Notice of Intention : This communication is not intended to threaten, harass, or hinder any lawful operations ; it is for the purpose of obtaining lawful remedy as is provided by law for any Citizen of the united states of America ( without the United States ) ; XXXX XXXX, who is in good standing. 

In accordance with Fair Credit Collection Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ). 

The account names and numbers will be listed under their respective credit reporting agency : XXXX : XXXX XXXX XXXX XXXX ; US Dept of EDXXXX XXXX US Dept of EDXXXX ; Acceptance XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections- 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 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 15 U.S.C 1681 ( a ) ( 4 ) states that the consumer reporting agencies must be fair, impartial, and respect the consumers right to privacy.

2. 15 U.S.C. 1681b ( a ) ( 2 ) states that the consumer reporting agencies can not furnish an account without my written instructions.

3. 15 U.S.C states that no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (NY)

I am being severely financially abused by the car dealers. They are sharing my information and allowing strangers to say rather or not I should be allowed to buy a vehicle. I have already been preapproved with the financing dept and have an excellent credit rating, no missed payments, ever. There is an abuse from the company itself and others who have contacted them saying they are decision makers for my finances. " She isn't allowed to ... '' I am a fully grown adult and the information pertaining to the purchase of the vehicle shouldn't be shared with anyone. There is also someone saying that I am not who I say I am, and that they don't know who I am ... I'm not my own identity and they are abusing me inside my home regarding a purchase made on the internet. The car company is ignoring me and will not respond at all. I have cash and they will not deliver an automobile and they are trying to say that they don't want me to be able to leave my home with intentions to do something to me inside the house. The car company is allowing this conversation to continue rather than completing the interaction for the purchase and using this as an " example '' of why they will not be allowing my child to come home, they have XXXX  my son and are saying that because I tried to purchase a vehicle that my son will no longer be coming home. The child is crying and has been XXXX.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-06-12
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. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''