davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (MD)

I bought a car from XXXX XXXX in XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX for {$110000.00} XXXX agreed to give them a downpayment of {$25000.00} so now I should have financed {$90000.00}, after reviewing the documents I realized there was an additional amount that I never agreed to which was {$25000.00} in warranties I contacted the dealership and then the finance company and I got the run around for almost a XXXX  then eventually they sent me the documents pertaining to the warranty and that's when I realized that they forged my signature without my knowledge, I've been waiting for an update from XXXX and no one contacted me about it until the car was repossessed, I would like to take legal actions for forging my signature without any reason.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (GA)

XXXX Reporting Inquires : XXXX XXXX XXXX XX/XX/XXXX Credco XX/XX/XXXX Unauthoized - Delete Please XXXX Reporting Inquires : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Credco XX/XX/XXXX XXXX Credco XX/XX/XXXX Unauthorized - Delete Please XXXX Report Inquires : XXXX  XXXX XX/XX/XXXX Unauthorized - Delete Please
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have experienced Identity Theft. As a result, to protect myself I tried to freeze credit checks at the three major credit reporting bureaus. It was easy to do with XXXX and XXXX, though they started sending me unwanted solicitations as soon as I entered the data they required for a credit freeze. With TransUnion I spent hours both on-line and on the phone, over a period of several different days, trying to enter a credit freeze. Their website always ends me up on the page that says : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX  and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. '' Their phone lines have endless menus and then put me on hold for over an hour.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (AR)

Subject : Unauthorized Transaction - PayPal Account Amount Disputed : {$490.00} Description of the Issue : A total of {$490.00} was fraudulently taken from my PayPal account, which is held by a private trust in benefit of XXXX XXXX. As the beneficiary of this trust, I am issuing this notice of special deposit and conditional acceptance regarding the unauthorized transaction. If PayPal authorizes such an adverse action against my estate without legal authority, I will rectify the matter through the IRS under the terms of special deposits held in trust. 

The unauthorized transaction violates the following laws and regulations : 1. Electronic Fund Transfer Act ( EFTA ) : The EFTA protects me from unauthorized electronic transactions. I reported the fraudulent transaction promptly and am not liable for the loss. PayPal, under the EFTA, is required to investigate and correct the error within a reasonable time frame.

2. Regulation E : Under Regulation E, PayPal must investigate claims of unauthorized electronic transfers and respond within 10 business days. To date, I have not received an adequate response or resolution from PayPal regarding this fraudulent transaction.

3. Fair Credit Billing Act ( FCBA ) : As my PayPal account is linked to a credit card, this unauthorized transaction may also fall under the FCBA. The law allows me to dispute unauthorized charges within 60 days of the statement reflecting this fraudulent charge.

4. PayPal User Agreement : According to PayPals own policies, including the Buyer Protection Program, PayPal is obligated to investigate unauthorized transactions reported within 60 days and issue a reimbursement if the claim is validated. I reported this fraudulent charge promptly, yet no corrective action has been taken by PayPal.

5. Federal Trade Commission ( FTC ) : If PayPal fails to comply with its obligations under federal law, I intend to escalate this matter to the FTC for failure to protect consumer rights as mandated by federal regulations. 

I expect PayPal to rectify the matter immediately, refund the amount in question, and comply with its legal obligations under these laws. Failure to do so will result in further action through the IRS, the FTC, and other appropriate channels.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fig Tech Inc. (TX)

XXXX  VICTIMS LETTER TO DEBT COLLECTOR XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX  XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX  and should be blocked immediately. 

Accounts to be Blocked : 1. FIG LOANS Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Student loans from Salle Mae to Navient XXXX XXXX. I have ask for multiple payment options and was put in forbearance. All calls are recorded the data is there to provide proof to my statement. My loans went from XXXX to now XXXX in interest
Consumer complaint received 2024-09-20
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (FL)

Ive told them to stop calling me and that this is considered fraud. Ive already reported it, but that did not work at all. I dont know what else to do, but I just wanted to stop already.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NC)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


Please make a further review on the following inquiries ; XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX  XXXX/XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: American Recovery Service Incorporated (CA)

After informing ARS Collections that : 1 ) the debt is not mine 2 ) do not call me. to email or XXXXXXXX XXXX only. 
3 ) do not call family members. 

they continue to harass me regrading a debt, continue to call me and continue to call family memebrs
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I am writing to formally submit a complaint against First Citizens Bank regarding predatory lending practices that have put me in a financially devastating situation. My name is XXXX XXXX, and I obtained a {$26000.00} loan for a Dump Trailer from First Citizens Bank. Despite diligently making payments for two years, I recently discovered that my loan balance has inexplicably increased exponentially. 

The bank claims that I owe over fees that I was not aware of, and they continue to add late fees on top of this amount. Shockingly, none of my payments have been applied to the loan 's principal. I have asked the bank for a traditional loan, but instead, I am now facing what appears to be fraudulent and predatory loan terms. 

This situation has caused me significant emotional distress and financial strain, and I believe that First Citizens Bank 's practices may violate federal laws protecting consumers from unfair and deceptive lending practices. I respectfully request the CFPB 's intervention to investigate this matter and hold First Citizens Bank accountable for any violations. 

Please advise on any further information you may require to process this complaint. I appreciate your immediate attention to this serious issue.
Consumer complaint received 2024-10-15
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. (NC)

I am writing to express my serious concerns about multiple discrepancies on my credit report. After reviewing it, I noticed several inaccuracies, including incorrect account entries, billing inconsistencies, and accounts that do not belong to me. These issues are jeopardizing my financial security, and I urgently seek your assistance in addressing them.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AZ)

XXXX XXXX is a division of XXXX that either no longer exists or is not providing meaningful service. 
They discontinued tower service on a device I had. 
Their customer service division provides misinformation, doesn't answer the phone, hangs up. 
Information can not be found on the internet. 

The point of sale ( XXXX ) store refused to take device back and refused to close account. 

Basically, XXXX XXXX refuses to close accounts- even when they no longer provide a service. 

XXXX XXXXXXXX nonetheless continues to bill, after mail and in person notification of intent to close account. 

Eventually bills are turned over bill to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I don't necessarily have a complaint against this agencies. Except they are buying debt from broken companies. 

Obviously, I am not going to pay this egregious fraud. 

But my credit score is being damaged.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Dear Discover Student Loans, I am writing to formally request that you correct the reporting of late payments on my account, in accordance with the arbitration release and settlement agreement between myself and Discover. As part of the settlement, Discover explicitly agreed to remove all late payment entries related to my account from my credit reports. 

However, despite this agreement, late payments are still being reported by XXXX on my credit file. This continued inaccurate reporting is negatively impacting my credit score and is in direct violation of the terms agreed upon in the settlement. 

I request that Discover immediately take the following actions : Ensure that all late payment entries related to this account are removed from my credit report with XXXX and any other credit reporting agencies. 
Provide me with written confirmation that these corrections have been made. 
Please correct this issue within 30 days of receiving this letter, in order to comply with the terms of the settlement agreement. If the matter is not resolved promptly, I will be forced to pursue further action.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I am writing to formally submit a complaint against First Citizens Bank regarding predatory lending practices that have put me in a financially devastating situation. I obtained a {$18000.00} loan for a chip trailer from First Citizens Bank. Despite diligently making payments for two years, I recently discovered that my loan balance has inexplicably increased exponentially and they offered to sell it back to me for the original loan amount two years later.

The bank claims that I owe inexplicable fees and they continue to add late fees on top of this amount. Shockingly, none of my payments have been applied to the loan 's principal. I have asked the bank for a traditional loan, but instead, I am now facing what appears to be fraudulent and predatory loan terms. The bank is
threatening to repossess the truck, which is essential to my business, thereby further jeopardizing my financial stability.

This situation has caused me significant emotional distress and financial strain, and I believe that First Citizens Bank 's practices may violate federal laws protecting consumers from unfair and deceptive lending practices. I respectfully request the CFPB 's intervention to investigate this matter and hold First Citizens Bank accountable for any violations.

Please advise on any further information you may require to process this complaint. I appreciate your immediate attention to this serious issue.
Consumer complaint received 2024-10-15
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. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (FL)

Account Number:XXXX Creditor Name : Aldous And Associates Amount in Dispute : {$260.00} I am writing to formally file a complaint against ALDOUS AND ASSOCIATE regarding failure to validate a debt. 

I would like the CFPB to investigate this matter and ensure that ALDOUS AND ASSOCIATE comply with the Fair Debt Collection Practices Act by providing the necessary validation of the debt. 
Supporting Documentation : Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I am writing to formally submit a complaint against First Citizens Bank regarding predatory lending practices that have put me in a financially devastating situation. My name is XXXX XXXX, and I obtained a {$67000.00} truck loan from First Citizens Bank. Despite diligently making payments for two years, I recently discovered that my loan balance has inexplicably increased to {$88000.00}. 

The bank claims that I owe over {$20000.00} in fees, and they continue to add late fees on top of this amount. Shockingly, none of my payments have been applied to the loan 's principal. I have asked the bank for a traditional loan, but instead, I am now facing what appears to be fraudulent and predatory loan terms. The bank is threatening to repossess the truck, which is essential to my XXXX XXXX XXXX XXXX XXXX XXXX further jeopardizing my financial stability. 

This situation has caused me significant emotional distress and financial strain, and I believe that First Citizens Bank 's practices may violate federal laws protecting consumers from unfair and deceptive lending practices. I respectfully request the CFPB 's intervention to investigate this matter and hold First Citizens Bank accountable for any violations.

Please advise on any further information you may require to process this complaint. I appreciate your immediate attention to this serious issue.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

on XXXX I opened a business checking account with Chase bank online and on XXXX I Went into the branch located in XXXX XXXX XXXX XXXX mo to finish setting it up and placed a deposit of almost {$6000.00}. I ordered checks that day and they told me my debit card would be mailed. There was a deposit hold on the check due to the amount which is normal. 

on XX/XX/XXXX. I received an email to call the number on the back of my debit card or my account would be closed. I hadn't even received my debit card in the mail yet. That same day I went to log into my online banking and it would not let me telling me my account had been restricted. On that same day I went back into the branch location I set up the account with and spoke with XXXX the branch manager. She got on the phone with back office and was told Chase had decided not to do business with me and was closing my account. They refused to release the funds in the account and gave me several numbers to call. That same day my receptionist just happened to be in the branch location and they questioned her after I left about who I was and how she knew me. That same day I made several calls to Chase and was given a different answer by each person I spoke with. I was told XXXX ( the bank my law firm uses ) had not cleared the check and they had been trying to reach them because the check had been marked as fraudulent. I spoke with the VP of XXXX XXXX  who provided proof that XXXX had approved the check and released the fund on XXXX. Basically Chase was lying and had my money but had deemed I was fraudulent and was refusing to release me fund. I was told by XXXX in the loss prevention dept that Chase had their own hold on the funds that would be released on XX/XX/XXXX and I could go into the branch and get my funds on that day. 

Today, XX/XX/XXXX, I went to the same branch and spoke with the XXXX XXXX XXXX. He got on the phone iwth the back office who refused to release my funds even though the check had cleared and all hold had been released. I was told the account was now with the legal dept and they could not tell me when if at all my funds would be released. He literally told me they knew the check was not fraudlent and that chase had essentially made an error and their " legal exposure was too great '' which is why my funds were now on an indefinite hold by the legal dept. he was as helpful as he could be but had no authority to do anything. other then file a complaint and ask that it to be expedited on my behalf which he did. 

At this point Chase has committed felony theft. They have literally stolen almost $ XXXX from me. They have also accused me of fraud erroneously, defamed my character, and so on. I have never in my life heard of someone being treated like this by a financial institution and quite literally stealing someone's assets.
Consumer complaint received 2024-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One denied my dispute because they said it was past the timeframe to dispute. On there website it says to try to solve issue with the merchant first, which Id did. The merchant said they would reimburse me but I never received the refund of {$2700.00}. So since I was going round and round with the merchant I decided to go directly to the bank, capital one. They said all the paperwork I sent was good for a dispute but past the timeframe to file. I would have gone straight to file a dispute if it had not said on there website to go to merchant first. I feel there should be some exceptions here