davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

Hello Dear Consumer Financial Protection Bureau I am XXXX XXXX XXXX, and I'm writing to you regarding an extra charge on my vehicle loan charges from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
I attempted many times in writing with the financial assignor in the dealership to disclose the charges. But I did not get any response in the last 60 days. 

The complaint is about purchasing XXXX XXXX XXXX XXXX  Contract number with westlakefinancial.com is XXXX Contract Number with XXXX XXXX XXXX XXXX is # DEAL XXXX # CUST XXXX Vehicle VIN : XXXX Here is the explanation about the default. 
I entered the dealership in person for the mentioned vehicle for the retail price of {$14000.00}. I negotiated with the salesperson. ( XXXX ) to reduce the price for adjusting the match price with certified Websites like XXXX, XXXX which is around {$8000.00} to {$10000.00}. 

The salesperson approved for {$1200.00} Cash Discount on the sales price + AN OPTIONAL Warranty Value Discount for {$2000.00}. 
Which Makes the Principle Vehicle Retail Balance to : {$14000.00} - {$1200.00} - {$2000.00} = $ XXXX+tax They also charged these extra charges as warranty and other fees for closing costs total for {$2000.00} includes ; - Portfolio Protection for {$1400.00} - Express Gap for {$490.00} - Estimated Testing Charge for {$50.00} - Electronic Vehicle Registration or Transfer Charge for {$30.00} - Document Processing Charge for {$85.00} I also paid {$1000.00} in-person to dealership as Down payment Thus the total balance should be ; {$10000.00} - {$1000.00} + {$2000.00} + Tax = {$11000.00} + Tax But I see different numbers in the Retail Installment Sale Contract. That shows the amount financed is {$17000.00}! What makes around {$6000.00} Difference. plus interest charges of this difference in % 9.99 interest rate for 72 months!!! 

I'm not accepting the current liabilities in the contract and absolutely no response from the dealership. This made me frustrated and I'm not affording the time, price & energy to followup on this situation anymore. 

Please help me resolve this situation at the fair. 

Thanks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 
XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX LA XXXX.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2023, file a dispute with XXXX regarding a XXXX XXXX bankruptcy that was sent to XXXX, XXXX and Equifax I was informed by XXXX that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records XXXX XXXX in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! XXXX is a corporation that does not follow the law. also, XXXX along with Equifax are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over 6 disputes to XXXX and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank is refusing access to my account after multiple identity verifications. XX/XX/XXXX, they first blocked my credit card when I attempted to purchase an airplane flight. I verified my credit card and they unlocked my account. That same day, Synchrony blocked my account again when I tried to pay for a veterinary ER visit. 

Since then, I have verified myself via social security number, phone number, and video of my face and images of my state issued ID. They refuse to verify with the email that is on the account and are now asking me to submit hard copies via mail of my ID as well as proof of residence. 

I believe Synchrony is employing unfair and predatory consumer practices.My account is being held hostage and they are not allowing me to access it. 

Firstly, I do not believe that Synchrony should have access to all of this information ( my ID and a bill to prove my residence ), this information in the wrong hands can be misused to steal my identity. I do not believe this is a practice done in good faith and I do not believe this is standard practice in the credit card industry. I was also told over the phone that the address given to me to send this information is not available anywhere online, yet another reason why I do not wish to comply. 

I have never experienced this kind of treatment before. I am a customer in good standing who has always paid her bills. I feel like I am being targeted.
Consumer complaint received 2024-01-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WATERSTONE MORTGAGE CORPORATION (FL)

I just moved to XXXX XXXX at the beginning of XXXX. Instead of renting, I was willing to buy an apartment. I've just got a job as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I applied for a mortgage, and the lender told me I needed a co-signer. A friend of mine agreed to be my co-signer. He is an XXXX XXXX XXXX  XXXX, TN. 
We started the whole process. I paid for the appraisal and wrote a check for the deposit of XXXX dollars. I paid for the condominium fees and other fees related to the mortgage. 
At the very end, my co-signer told me he was going to sign for me only if I was going to give him XXXX dollars, saying that he needed to protect himself. I told him that was not in the terms, and I felt like he was blackmailing me. He insisted that I either pay him or he wouldn't sign. I kept the text messages he sent me insisting for me to pay if I wanted his signature. 
I decided to withdraw from the mortgage deal because I felt I was in a scammy situation. On the other hand, the lender is now telling me that most likely I am not going to have my deposit back. I am going to lose over XXXX dollars, and I also got myself in a dangerous situation because I thought I was going to move into the new apartment soon, but it was not like that. I must look and rush to find a place because I live temporarily at a friend 's house. I am losing my furniture because I can't find a place to fit it, and I can't end up homeless. This " friend '' caused me emotional and financial distress. I need help, please.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Reinvestigation procedure letter was received by Transunion on XX/XX/2023 See certified USPS tracking # XXXX Present day-no description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-01-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Looking for your agent to get an evidence report from Merill XXXX to see the hacker how to hack my account. SO far, there are six months over, I still can't get any formal response from Merrill XXXX yet.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

My wife and I have tried to refinance our mortgage with Caliber Home Loans , Inc . Since they are the servicing mortgage company that holds our mortgage at an APR 4.87 % 30 year fixed rate. On XX/XX/2020, I spoke with Mr. XXXX ( ID # XXXX ) a representative of C.H.L. and after our first phone conversation which I pointed out that our APR at 4.87 % was extremely high at this market and he agreed with me. He then asked me if he could call me right back within one hour and I agreed. Mr. XXXX never called back or answered my phone calls and messages, he left us hanging. Then we were contacted by another C.H.L. representative, Mr. XXXX XXXX ID # XXXX ) on or about end of XXXX I was negotiating a refinance from 4.87 % APR ( current APR ) to 3.6 % 30 year fixed rate. During the subsequent week on XX/XX/2020, I was notified by my company that my job was been terminated as a XXXX XXXX Consultant. I wrote to Mr. XXXX and expressed that to him. In the letter I explained to him that my wife, XXXX XXXX was still gainfully employed. I explained to Mr. XXXX that we were respectfully requesting that Mr. XXXX ask his superiors at C. H. L. to provide us an interest rate less than 3.6 % APR and a six ( 6 ) month grace period without penalty until I can secure another position. We explained that we were not asking for forgiveness of the debt instead we would ask that the amount be added to the end of the loan at the new interest rate. After sending this email to Mr. XXXX he simply responded that he was sorry and offered to send us to another department and did not. Until, XXXX, XX/XX/XXXX, when he called me back and I insisted that he would send me a link to deal with some one else. 
At this Caliber Home Loans, Inc. they keep passing the ball to the next person to try to dissuade you for getting a lower interest rate and refinance your mortgage. Even when the Federal Reserve Bank lowers its interest rate at 0 % and Governor XXXX in New jersey, asks us, the consumers in New Jersey to contact our mortgage servicing company to lower our interest rate and refinance with a grace period during these economic hard times. Please help us achieve this dire need to refinance our mortgage and stop companies tike Caliber Home Loans , Inc. from playing hard ball with customers. Thank you.
Consumer complaint received 2024-01-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXXXXXX XXXX XXXX  I made a payment to BOA, where I had 2 credit cards. I made the payment to the wrong card, but it had a XXXX. The bank put the payment to the correct card and sent me a letter telling me they had done this and I wouldn't be charged late fees etc. On my credit report I have a late payment showing, which has made my other cards raise my apr 's. I called the company and was told it would take time to come off my report. it didn't. I called again and was told that the late payment couldn't be taken off. I sent a dispute through XXXX several times and it is still on my report. My statements for XXXX, XXXX, and XXXX from BOA show no fees charged so why can't we get this removed from my report.
Consumer complaint received 2020-04-17
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: CITIBANK, N.A. (FL)

ACCOUNT # XXXX CITI illegally sold a fake account to XXXX XXXX XXXX XXXX violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to CITI when I discovered the criminality. CITI, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The Mexicans would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.
Consumer complaint received 2024-01-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My account was closed on a decision of Merrill Lynch, once its balance got below its minimum for XXXX XXXX XXXX  Clients in XXXX, where they send their agents to open new brokerage accounts, without being authorized by the XXXXXXXX XXXX XXXX. 

I opened such an account over 25 years ago with number XXXX ( later echanged to ) access code XXXX, and suffered extensive losses, whiche led to my balance getting below the minimum required by Merrill for their XXXX clients. I was asked to provide information on where to send my stocks and cash. I provided the information for my Brokerage Account at XXXX XXXX XXXX XXXX  Many months later, I received the aforementioned check for {$34000.00} ( attached ), which arrived with many months of delay, when it had already probably expired because it had been sent by snail mail. which doesnt work in my Country. All our previous communications had been via XXXX XXXX XXXX XXXX, XXXX, XXXX ). I tried to cash the check unsuccesfully through my XXXX Account. 
Through the previous 4 years, I have contacted the XXXX Branch of Merrill Lynch, only to be told my account executive XXXX XXXX XXXX, then head of that branch, no longer worked there. I was routed to a Corporate Office, where I was told they would replece the check, and a year later someone else said they had not been able to do ot because the funds had been transferred to a " concentrating account '' and a long process required to retrieve them and issue a new check, which to date I have not received. This week, my call was routed to the XXXX XXXX XXXX XXXX, who said they could no longer locate my account because it had been " purged '', though the access code number was still traceable. I was told they would start an internal Customer Complaint but refused to give me a reference number or any means to follow up.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX TransUnion, I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date. 
I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX ) ( XXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b. 
Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED GOODLEAP I was never late on XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XX/XX/2023 on this account please update the account as Paid/Current. 
XXXX I was never late on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. 

Please send an updated copy of my credit report Reflecting the requested XXXX. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

Neighbors nearby XXXX and another person XXXX XXXX XXXX XXXX with my bank account balance at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they want to know about how much money I have, did I get my check and did I pay my bills rent have kept the credit card account number and have been talking about this in the back driveway at my apartment. They are up all night long cursing and loud talking about Trying figure out how much money I have and how when I am going to be getting money. I'm the only person who has owned the bank account and no power of attorney nor anyone else is connected to the account. They are constantly violate my personal information and privacy for the past year. I used to go to the gas station to buy things with the credit card and then they didn't give me any receipt for my purchase. On a daily basis and I have been overheard them next door at my apartment discussing the attempted to get the information. They have been doing this since XXXX and I have been stopped buying at the store in approximately XX/XX/XXXX with the credit card. They are XXXX speaking people and XXXX XXXX language working and owner. The neighbors nearby are fluent in XXXX language and XXXX at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My rent XXXX XXXXXXXX and landlord is XXXX language and has to have any Bank info for me to get the discount from the government of XXXX percent of my monthly income XXXX. I believe that all are involved. The main thing is that no one is supposed to get the information for the bank account. My XXXX sons do not have hold or use the credit card debt to the bank account and neither do I know what they actual account balance is nor try to get the information. I know that it's a very serious state and federal crime to be able to get information for a XXXX card.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is what was sent to each credit bureau : XXXX, XXXX, & Transunion Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. 
According to the Gramm-Leach-and-Bliley, Also known as the Financial Services XXXX XXXX XXXX XXXX Debt collectors are Financial Institutions. Why is this important? Let me explain. 
According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.