davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (GA)

My Carnote is already {$630.00} which is a lot with inflation and everyday life. Volkswagen will charge be hundreds of dollars in late fees even when I make a payment arrangement. I think thats way too much Im barely holding on to paying the XXXX. They also sold me a tire plan and didnt let me know it could only be used at that one location. Which is an hour away from me. So when I need a new tire I cant even get one because I would literally have to drive an hr to that same location to get one. I found that to be very shady and taking advantage of the customer just to get a sale. so Im paying extra for the plan for nothing.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO (VI)

I have a XXXX XXXX with Banco Popular XXXX XXXX XXXX. My husband has an account with them, and I have an account with XXXX. We both registered with Banco Popular to make payments on our card. For years, we logged on and made payments. Last month our payment was due, and we had no way of making the payments. My husband XXXX XXXX XXXX, so paying over the phone is not available to him. I do not want to pay over the phone because there is an additional fee, and I am a XXXX XXXX XXXX veteran. Banco Popular has the worst bank setup in the entire United States. I tried and tried to reestablish my payment method to no avail. I called the bank and was told that it was set up. I logged on to pay, and it is still an issue with making a payment. Then they are going to send our name to the credit bureau for payment being late. Even to add payment for my husband who has an account with them is impossible. Sickening and unacceptable. I could never do any account business with this bank. How do you have an account to make payment setup, then all of a sudden you do not have payment set up? and there is no explanation. I would like to get my payment method set up, and they better not report me as being late.
Consumer complaint received 2021-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (PA)

In XX/XX/XXXX, I committed to a loan of {$150000.00}. When I got the original loan I was told there would be 180 payments and that would be it. During the course of the loan, I made 179 regular payments. I also had 87 " Unscheduled Payments '' in small amounts. I had 5 deferrals ( called Extension Reversals ) in the amount of {$990.00}. None of this {$990.00} was applied to interest. It just disappears with no effect on any balances. Every regular payment following an " Extension Reversal '' had the entire payment applied to interest and nothing to principal. In addition, I noticed, in just a cursory glance, that there are several regular payments where the interest/principal is out of proportion to the pattern of the loan. Attached is a copy of the spreadsheet. Pertinent dates to look at include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the payment directly following these " Extension Reversals ''. I would think that 180 regular payments, as agreed to originally, would satisfy the obligation. Something does not add up. 5 " Extension Reversals '' should not add $ XXXX to the course of the loan thus creating a balloon payment. I was never advised that this would happen or for the few hundred dollars more, I never would have deferred anything. 
Basically, I paid fees of {$5000.00} to defer loan payments 5 times and somehow this added over {$11000.00} to the end of my loan. So, I am out {$17000.00}! At the very least I find this to be unethical, predatory treatment of a longtime customer of this bank.
Consumer complaint received 2021-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MERCHANTS CORPORATION (MI)

First Merchants bank took over XXXX XXXX  XXXX XXXX in the fall of 2019. I have always maintained my own calculations for each payment and would tie the yearend data for total interest paid and principle paid to the data provided by the bank. As soon as Merchants bank took over, my calculations are significantly off, meaning the processing through Merchants bank is different than how XXXX XXXX XXXX  XXXX calculated interest which tied to how the note indicated interest would be calculated. Hence, because we did not rewrite the terms of the note, First Merchants calculation does not match how my note indicates it would be calculated. I have contacted my loan officer numerous times over the last year to no avail. The last contact I had with him, he agreed that my calculation was how he would calculated it but there has never been any resolution. I believe most consumers trust that the bank is correctly calculating their interest and are victims of fraud and they dont even realize it. I gave the bank approximately 12 months to resolve the issue with no avail. From my perspective, this has gone from a possible mistake in the calculation to fraud due to their willingness to do nothing and hope I just give up on the issue.
Consumer complaint received 2024-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

At XXXX on XXXX XXXX I purchased 5 x {$200.00} VISA gift cards ( total {$1000.00} ) at a XXXX store located in XXXX XXXX NC XXXX When I got home and opened the packaging, I found that one of the cards was defective -- it was missing the last 4 digits of the card as well as the Security CoXXXX on the back. At approximately XXXX I returned to the same XXXX to exchange the card. Although XXXX could confirm the purchase, that none of the balance had been used and confirmed the defective problem, the XXXX Manager advised that they could not refund or replace the card and I would have to take up the problem with the card 's Customer Service. I called the phone number on the card ( XXXX ) and was told that the company would file a problem report and that it could be resolved within 30 days. I was not happy, and reiterated the facts that I paid {$200.00} cash for the card ( {$200.00} plus {$6.00} purchased fee ) and had received a defective product. I insisted that it is the company 's problem to resolve, not mine, and that I should not have to wait 30 days to receive resolution. I asked that the company simply cancel the original card -- which they knew had not been used -- and immediately issue me a replacement and thereafter the company could spend however it long it wanted to research the source of the problem. I should not have to wait for my money while the company figures out why the problem occurred. I spoke with CSRs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of whom refused to provide their last names and were of no help, simply repeating " this is our process '' over and over. I asked to be transferred to a Senior Manager. " XXXX  '' was clearly reluctant, but ultimately said he would and placed me on hold while he " transferred '' me to a Manager. In reality I believe he just hung up the phone and that was the end of the call. I asked for a phone number where I could reach a company representative in the United States ( I was having a difficult time understand them ), but XXXX claimed that they do not have representation in the United States. I can not imagine that to be the case, but that is what he claimed and he did not provide any alternate contact information. The back of the card has only the XXXX number and the customer service website of XXXX, however contacting them via the website requires that one first enter the 16-digit card number, which I can not do because the very problem is the absence of the last 4 digits. I do not believe it fair that the company can keep my money for 30 days pending outcome of their " investigation ''. They know the card was not used, and therefore should simply immediately replace it. I greatly appreciate any assistance from CFPB to resolve this issue as quickly as possible. {$200.00} is a lot of money. I may be reached at XXXX, or email address XXXX. Thank you for your attention. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (NE)

I never got an respond back or the call back from the lady who called me I even sent messages from my PayPal account I need to close the old account down and transfer my funds to an new account with PayPal that is not BLOCKED by PayPal security that PayPal said they can not unblock so if that is the case transfer my funds and open me up a NEW ACCOUNT ASAP and I want PayPal to provide proof and why why are they blocking my account with they security.
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I put an complaint on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, this company filed a fraud rental debt on my credit report and sold it to collections IQ Data International who retaliated against me yesterday and knocked my credit score down XXXX more points XX/XX/year> and increased the amount they claim I owe. 
I am protected under Section 1057 against retaliation. I will be putting a complaint on this collections company as well. Please see snips, my score dropped almost XXXX because of these two companies and their fraud debt!
Consumer complaint received 2024-10-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

Subject : Cease and Desist Collection Efforts and Delete Nonpublic Personal Information Dear Jefferson Capital Systems, I demand an immediate cease and desist on all collection efforts regarding my account. I have filed an Identity Theft claim with the Federal Trade Commission ( FTC ) against your company due to the unauthorized sharing of my nonpublic personal information. 
As I have made you are aware, XXXX and XXXX provided you with information related to a canceled debt that can not be collected on and is now considered my income, as evidenced by the 1099C filed in XXXX. Your inability to provide a sworn affidavit stating that XXXX XXXX did not write off this item as a loss and claim it on their XXXX taxes renders your furnishing incomplete and inaccurate. 
This is a strong form of Identity Theft. Your company has furnished false information, attempting to extort payment from me, causing reputational and financial harm without verifying the information from all parties involved. You have no written contract with me and have not obtained my consent to share my nonpublic personal information. 
I demand that you : Immediately cease all collection efforts. 
Delete and destroy all nonpublic personal information related to me. 
Stop reporting this false debt to credit bureaus. 
I demand immediate compensation of {$25000.00}, comprising $ XXXX for 10 months and {$5000.00} in damages for harm to my credit score and reputation. 
Failure to comply with these demands by XX/XX/XXXX, will result in further action, including filing a comprehensive complaint with the SEC and placing a lien against the surety bonds of Jefferson Capital Systems, XXXX XXXX, and XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2024-10-02
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: LEXISNEXIS (CO)

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.

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These below closed account, and hard inquiry, I have NO knowledge of any of these, and they need to be removed from my credit report, IMMEDIATELY. 

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  I presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists. I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Credit Card Closed Account : XXXX XXXX XXXX - {$5.00}, XXXX ( Closed Account ) Hard Inquiry : XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated WITH MY SIGNATURE ON IT per U.S. Code 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, email me an updated credit report reflecting these changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XX/XX/2023 Collections account amount {$740.00}. I called the collection company and ask Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, Will you please remove from my credit?
Consumer complaint received 2022-11-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

My Apple credit card and savings account were frozen on XXXX XXXX XXXX. I have been unable to access my funds since then. Ive repeatedly contacted Apple for support. But they refuse to tell me why my account is frozen, or when the issue will be resolved.
Consumer complaint received 2022-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.