davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased a white XXXX XXXX on XXXX XXXX XXXX  at XXXX Dealership XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I leased the vehicle for 4 months because that was the only option, they had for me at the time. ( Which I initiated only a 3 year lease contract ) The sales rep at the time pushed me to lease it for 4 years in case I wanted to buy the car. The day I returned my lease on XX/XX/2019, I went into the dealership and advised them that I was returning the car and I did not want to buy another car. The sales rep and manager continued to push for a sale and ask me why I didnt I want to purchase a new car if I had amazing credit. I advised that I no longer wanted to stay with KIA and was going to see other options on my own. The manager then took me into his office and as I returned the car, they had my sign off on the last checkup. As I signed off on the car the manager entered the ending Mileage and noticed that I did not use all the mileage on the vehicle. The manager then said, wow you really dont drive ; you still have a lot of milage left to use. I then proceeded to take pictures of my Lease in case I would get any type of discrepancy and the first picture I took was the mileage which I still have on my phone. As I was getting ready to leave the Manager asked me one last if I didnt want to look at the new vehicles they received for the new year. I once again said no thank you and left. two weeks after the vehicle was returned, I received a letter stating I owed a balance due to high mileage when in fact the Vehicle was left in perfect condition. I have tried for the last 4 years to dispute this collection with XXXX and XXXX, and I am not getting anywhere. So here I am now filing a complaint for Kia 's sales tactics and unethical Behavior of extra fees that should have never been billed to me. I certainly feel that my car was most likely used after it was returned or some false information was entered when the charges were made. I am disappointed and disgusted with KIA as I was a great customer who was never late on their payments. Until the Lease was returned you can see on my credit report where the issue started and the negative impact it took on my credit score.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I have had this bank account for over 20 years. They have charged me lots of fees over the years. They have refused to fix accounting mistakes. They have been very slow in crediting deposits over the years. Payments that I have made do not always get to the bills I am paying, but are still deducted from my account. They have never refunded this missing money. Starting accounts in my name and my kids names without any authorization to do so and then never refunding those fees. Overdraft fees because they didn't credit my deposits...
Consumer complaint received 2023-01-21
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. (IL)

To Whom it May Concern, I am writing to file a complaint against XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX reported a collection to the consumer reporting agency that they never actually collected, after I had already made payment to XXXX  ( Regarding Policy number : XXXX ) for the amount of {$94.00}. On Tue, XX/XX/2021, at XXXX XXXX, I made a payment to XXXX for a past due balance of {$94.00}. This payment was made to fulfill esurance company 's requirement before purchasing a new car policy ( Policy number : XXXX ). The requirement was to pay any past-due balance before the issuance of the new policy. Which I did in the specified amount, day, and time above. You can verify these facts by calling the XXXX customer service center at XXXX ( XXXX ). 

Therefore, I am absolutely confident that XXXX XXXX can not provide a date and transaction ID for this transaction, as it was paid by me, directly to XXXX, right before I purchased a new car policy ( on Tue, XX/XX/2021, XXXX XXXX  ; Policy number : XXXX ) from XXXX. At this time, XXXX  did not disclose or mention that the account had been acquired by a collections agency. Additionally, if the account had already been acquired by XXXXXXXX XXXX, XXXX  would not have directly taken payment. Neither had XXXX XXXX communicated with me before this date and payment, about the acquisition of my account. 

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. '' This section prohibits collection agencies from knowingly reporting false information about a consumer to a consumer reporting agency. XXXX XXXX is in violation of this section by reporting false information about me to a consumer reporting agency. 

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against XXXX XXXX for its violations of the FCRA. I request the CFPB to require an update of my report to reflect the accurate and verifiable information and request the deletion of any information relating to any outdated information being reported. I further request XXXX XXXX to facilitate me with a copy of any changes to my report pertaining to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Mezu, Inc (CA)

On XX/XX/year> I received an email from XXXX stating the following " Dear XXXX, After careful review of your appeal request, the compliance and security teams have decided not to approve your request to activate an account at this time. To ensure that our service remains secure, this decision was based on parameters that we can not discuss. If your account retains a balance, we will mail you a refund check to the address on your profile within 130 days. 

We appreciate your interest in our service and apologize for any inconvenience this may have caused. 

Best regards, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX '' Today is the XXXX XXXX XXXX  135 days from when I received that email, and I have yet to receive my remaining balance that was in my account, nor have I been able to communicate with someone from there about it.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

Around XXXX late XXXX I had XXXX XXXX. I got a XXXX XXXX check issues from my job XXXX ( XXXX XXXX XXXX ) anyways it had to go through the state and through payroll. So long story short I never received my check. So I ended up asking my boss what I should do he said call HR see if it went through so I did and it went through so I looked on the XXXX app to confirm HR wasnt making stuff up. Anyways it was on there with the last four digits of my account number and all that info. Long story short I called chime and they said theyd look into it and basically said the check hasnt cleared. So 24 hours later I call cause my boss said somethings not right so I did. Chime said Ive never used direct deposit with them and I showed them the transaction number from my jobs end and the picture of my pay statement. Chime basically said I hope you get your money soon. So then I ended up using the messaging thing on chime and I got screen shots of them refusing to help me. And I have proof that the money never hit my account. I told them I need my money and HR wont stop bothering me cause they can get in trouble if I dont get my pay. So chime basically told me tough luck. XXXX something dollars. Its been about a month. I said Id give it XXXX weeks but its been to long already. I need my money from chime and I wan na sue them. My employer will send me any additional info you guys need and Ill get all the info I have together of screen shots of me trying to resolve this issue. This is the 2nd time. But now theyre saying I never used there direct deposit? But whats funny for 6 months I have and actually I just got my direct deposit yesterday proving theyre lying on there end.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Agency of Credit Control (CA)

Hello! Thank you for your response to previous complaint ref # XXXX I am seeking additional information, just to confirm it is common practice to attempt and reach a consumer prior to consumer receiving a letter/notification related to any attempt to collect a debt? I was under the impression that the letter had to be sent out to consumer prior to any company attempting to collect a debt. I had initially filed the complaint ref XXXX because I do not recognize the phone number that attempted to reach me, I understand per previous response, this is for consumer protection however, it did not disclose it was an attempt to collect a debt, just to call that number back, tactics seem deceiving. I did see the attachment dated XX/XX/19, yesterday and attempts to reach me were made early this morning I want to confirm that this letter was mailed out yesterday or this morning as Ill be on the look out for it, thank you in advanced for your prompt attention to this matter.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2022, I mailed a Check XXXX XXXXXXXX payable to XXXX XXXX for {$4200.00} to pay an open balance. On XX/XX/2022, I was on my XXXX XXXX website & I noticed that the {$4200.00} balance was still open & that the check was not posted. I then went on my TD Bank checking account website & saw that check was cashed on XX/XX/2022. The endorsement on the back was someone forging my name and then signing some name under that who was obviously an unauthorized signer. There was no mention mention of XXXX XXXX even though the check was payable to XXXX XXXX. I immediately notified the TD Bank Fraud Department and they took my information & froze my account. They sent me to their local branch the next day to fill out an Affidavit of Forgery & other TD paperwork. I even received a follow up letter from them acknowledging receipt of this paperwork. They said that it could take 90 - 120 days to resolve since they have no control of another financial institution. It turns out that XXXX XXXX Bank received the check for deposit. It is over 7 months & still no resolution. I called them back after the 90 days to follow up & they couldn't help & referred me to my local branch. I even went to local branch to follow up on XXXX XXXX & they couldn't give me an answer either. This is not right & I am getting the run-around. Can you please help? I have copies of all documentation including a copy of the cashed check if needed. 
Thank you
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

When I had a Wells Fargo account I often had difficulty using my card as they froze it several times without reason. They also double charged me over draft fees and service fees. I tried to resolve it directly with Wells Fargo. I closed my account because they did not resolve the issues.
Consumer complaint received 2023-01-20
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. (AL)

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 XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Consumer complaint received 2023-01-20
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. (NY)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments
Consumer complaint received 2023-01-20
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. (IL)

On XX/XX/2022 I was notified of a " 120 day late mortgage payment '' on my credit report. I thought this was strange because we were actively in mortgage forbearance through our mortgage company as well as being under the Covid clause per the government. Now I understand that this was lifted however, I was told by multiple different agents that the company had not been reporting for months. I immediately sent our mortgage company an email as well as a phone call trying to make sense of this. We also had made a payment in XXXX and XXXX so I wasn't sure why this was being marked 120 days past due. Understandably, I thought it was from covid but I pulled the credit report and nothing was reported during that time frame. They sent me a first class letter saying it was accurate -- that was it. Nothing in detail and it seemed to be very looked over.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Best buy / CBNA XX/XX/XXXX I received a statement with a balance of {$58.00}, paid in full XX/XX/XXXX. XX/XX/XXXX received a statement with a balance of {$1.00}. I called into the customer service number disputing the {$1.00} charge as it was fraudulent, their response was they will take care of it. The next month I received another statement and so on and so on. XX/XX/XXXX I called the customer service number and they routed me to a person that stated my concern has been resolved and will be reported to the credit agencies posting XX/XX/XXXX. XX/XX/XXXX i reviewed my credit and noticed they closed the account due to delinquency. I called the customer service number again they are stating the charge was fraudulent and they closed my account for security reasons but cant make sense to how they " tab '' it within the system. Now they are stating it was resolved XX/XX/XXXX they applied the credit to the card but moved it to a different card, XXXX statement had a {$1.00} credit that's why the balance was {$58.00}. they cant make any sense of the whole situation. 
I opened this account up while i was in college, due to credit agencies reporting metrics, I kept the card for historical history and was fine paying the {$58.00} annual fee, now Im here from a XXXX credit score to a XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2023-01-20
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reference # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (ID)

On XXXX XXXX XXXX I spoke with Flagship Credit about not being able to make my payment in full until XX/XX/. At the time I had requested that they call my cellphone phone instead of my work number. The man on the phone assured me they would no longer call my work phone and that has been true thus far. He attempted to pressure me into making my payment over the phone while I was at work even when I told him I only had about {$50.00} in my account. I assured him that the payment would be scheduled online and it would be pain on XXXX XXXX XXXX He said he would take me off of the call list until that date. They called my husband one time on XXXX XXXX XXXX  and called me 3 times on the same day. They have also called me 3 times on XXXX XXXX XXXX The amount of phone calls is becoming ridiculous and I was only XXXX week late when they called. They are calling me like I am months behind on a payment. I've given them the when and they can't even given me the courtesy of seeing if I do it. I'm not perpetually late. I would not recommend anyone to use this company based on the last few days of being harassed with phone calls. Some have even come as late as XXXX XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Credit Acceptance does things not acceptable. High intestinal rates over 22.99 % APR constantly call and garraseconsumer. Hid the true cost of credit which set consumer up to fail, mislead consumer, dealer fraud, led to repossession. Please help Credit Acceptance is wrong