davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime (VA)

I purchased a vehicle XXXX Drive Time that required major repairs within the first week of purchase. I asked to trade the vehicle XXXX Drive Time is not allowing me to trade for a different vehicle despite the transmission and engine blowing on the [ XXXX, XXXX XXXX, VIN # XXXX ] that I purchased through them, and it has placed me in a great financial hardship. 
I attempted twice to trade in the vehicle due to the major repairs required and the inability XXXX XXXX the vehicle ( Since the first week of having it ) My financial situation has changed, and I am no longer able to make the monthly payments, in addition to the costly repairs that I am told are required for this vehicle, just a short time after purchase. One week after purchasing this vehicle, the transmission needed to be replaced. By the time it was fixed, the XXXX days warranty was up but the car continued to stall while driving. While it was being repaired, I had to XXXX myself and my XXXX small children to and from school and work. Additionally, this vehicle has stalled in heavy traffic and on multiple occasions stopped while in traffic, putting the safety of myself and my children at risk. 
I am now told that the engine needs to be replaced on this vehicle and that the parts required to temporarily salvage the engine, are on back order and have been since XX/XX/XXXX. The total cost to temporarily fix it ( with no ability to estimate how long before the engine gives out completely, is {$1200.00} ). The cost to replace the engine is {$7200.00} for parts and labor. The transmission blew in XXXX ( same month of purchase ) the car has not been driveable most of my time having it and now the engine needs to be repaired. 
I understand XXXX Drive time will sell it this vehicle at auction and seek to bill me for the remaining balance. I have sent them certified letter asking to be relieved of any further payments or debt related to this vehicle and will cut my losses on payments received by me XXXX Drive time in the amount of {$2800.00} ( this includes my {$400.00} deposit at purchase ), despite not being able to use the vehicle much during my lease. 
I have not been able to get much use out of this vehicle due to it continuing to stall and stop, since purchasing it ; due to the major repairs required, but still honored my payments of {$220.00} bi-weekly, despite. I am asking to be relieved of any remaining balance or contract between myself ( XXXX XXXX XXXX Drive Time ) for the XXXX XXXX XXXX XXXX # XXXX. 
I am reporting this in the hopes that I will not be penalized for being sold a lemon. 

I can be reached at XXXX or at XXXX if you have any questions or would like to give me further instructions.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (GA)

This is my 8th 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 information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2022-08-17
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 (RI)

In XX/XX/XXXX my car was in an accident where someone hit my car while i was inside of my office. Kia whom i was leasing my car from took a couple of months before they could deem my car a total loss. Within those few months they expected me to make car payments on a vehicle I could XXXX XXXX because it was completely smashed. XX/XX/XXXX is when they finally deemed my car a total loss and then XXXX is when my insurance company ( XXXX ) sent them a check for XXXX dollars. Kia had told me the car was XXXX or so leaving about XXXX left over. I spoke with different representatives at this company and they all told me whatever is left over they keep because technically i was " renting the car from them '' i received a call in XX/XX/XXXX saying i owed them XXXX XXXX dollars in missed car payments which was not the case as we learned months later i didnt owe them anything because my car was a total loss. fast forward to XX/XX/XXXX my car account was still open with XXXX and i was receiving MANY phone calls about these " payments '' i kept asking them why they couldnt close my account and they said it was never paid for. I proved it numerous times that my insurance did in fact pay for it and didnt know what more to do. Now, since XX/XX/XXXX kia has been consistently calling me telling me i owe them XXXX XXXX dollars for my kia and charged it off as bad debt on my credit report resulting in me having a tough time getting another vehicle or anything for that matter. Can someone help me?
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I wrote them a dispute letter back in XX/XX/2022 asking them to investigate several accounts on my credit report and they never sent me a response. these accounts are reporting incorrect and are duplicate accounts same account numbers reporting multi times.
Consumer complaint received 2022-08-17
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: C/C Financial (TX)

I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, XXXX  and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We currently have a joint bank account with Bank of America. Yesterday all of our assets were frozen and we were left with nothing in any of our accounts. {$1000.00} of these funds were from a XXXX check deposited into the account. The law firm refuses to release the money and puts the blame on the bank. The bank also puts the blame back on the law firm. Also the garnishment has no weight. My partner attended a hearing in XXXX  for it and they did not show up to represent themselves. Unless they went to court without informing us of a legal suit there is no record of a collection being issued that we have any knowledge of.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential identity theft.
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

Received letter stating debt was owed for a credit card account that was charged off in XXXX of XXXX. Responded to the claim on XX/XX/XXXX asking for further details which included : 1. The original amount of the debt ; 2. The original contract or information about this account ; 3. The name and original creditor to whom this debt is owed ; 4. Verification of each transaction held for this debt, and or any court ordered judgment against it ; 5. Proof of historical payments made, transactional history of the account ; 6. Proof that the collection agency is licensed to collect in the State of XXXX ; In this letter, I clarified that this account was in fact fraudulent, that all charges were not mine/never were mine, which included the information pertaining to the existing police report for fraud ( which names this account, among many ) ; with a named perpetrator who is in prison. 

The response was received by the collection agency on XX/XX/XXXX with a letter stating their accounts were accurate, that they were essentially ignoring the communication sent via certified mail ; followed by a single, final financial statement from the original creditor with interest only charges ; no other historical transactions. They are unwilling to cooperate and acknowledge the criminal findings and formal police report and continue to pursue the debt. 

They have continued to make phone calls to my phone even after requesting on XXXX occasions they cease communications that were not via They blatantly ignored the information in the letter and have been uncooperative.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank handles XXXX XXXX XXXX credit card accounts and payments, There is a mistake on my XXXX XXXX statement ... XXXX amount I owe is incorrect. 
The XXXX statement with payment due XX/XX/2022 showed a balance of {$720.00} but I bought items that totaled {$220.00} on XX/XX/2022 increasing my balance to {$940.00}. On XX/XX/2022, I paid the entire balance which was {$940.00} ( instead of what I meant to pay which was {$100.00}. I called and asked for a refund of {$840.00} leaving XXXX XXXX with {$100.00} and my balance at {$840.00}. But it is not. 
On my XXXX statement where payment was due on XX/XX/2022, I have a balance of {$1800.00} because on XX/XX/2022 you gave me a payment adjustment of {$940.00} and then on XX/XX/200 you gave me a credit balance refund of {$840.00} which was unnecessary and incorrect. The {$940.00} payment adjustment is an error and should be removed because I did not receive a payment of {$940.00} in my Bank XXXX XXXX account -- I only received {$840.00} in my Bank XXXX XXXX account. 
My balance should be {$840.00} ( {$940.00} minus {$100.00} ) However, the {$100.00} payment is not reflected on the XXXX bill where payment was due on XX/XX/2022. My bank, Bank XXXX XXXX issued, me an {$840.00} from you. They clearly understand what happened, which was refund back to me all but {$100.00}. XXXX Bank XXXX XXXX statement does not show an additional {$940.00} refund from XXXX XXXX -- so my XXXX XXXX card statement should not either. 
You have to adjust my statement because you have an adjusted my payment of {$940.00} ( which was a refund ) and then charged me {$840.00} for refund againwhy do you have XXXX refunds/payment on my account? Your mistake is messing up my XXXX XXXX as outstanding balances affect your score. Moreover, I am being charged for interest an incorrect amount- {$1800.00}. 
I will attach my last XXXX XXXX bills for XXXX, XXXX and XX/XX/2022 and XXXX Bank XXXX XXXX statement for XX/XX/2022. How did my balance go from {$720.00} to {$1800.00} with only {$220.00} worth of purchases? It did not, you made a mistake by charging me twice for only XXXX refund!!!! My XXXX XXXX XXXX statement still has the incorrect balance owed.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

In XXXX I wanted to closed one of my account at my bank. Instead of the account being closed the bank add a maintenance fee of {$9.00} in XXXX the bank added another {$9.00} maintenance fee. In XXXX the bank gave me a courtesy credit. 
In XXXX the bank when to my active account under phone transfer and removed {$18.00} from my account. When I send an email to the bank requesting to close the account and return my money the email was deleted. Now the bank has not closed the account and doing the process over again, a {$9.00} maintenance fee for XXXX.
Consumer complaint received 2022-08-17
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. (TX)

I had earlier filed a complaint regarding to XXXX on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking XXXX to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the attached.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I deposited a local check through my app on my phone and once again my bank hit me with an nsf that I should not have been charged and decided to hold my funds for more than 5 days. This bank does not follow regular banking rules and regulations and violates the laws protecting people from these types of usury. 

( The Expedited Funds Availability Act of XXXX ( EFAA ) mandated that local checks may be held for no more than two business days. After XXXX, all checks in the United States were considered local. The two-day hold has been extended to five days as a reasonable limit for holding local checks. The Federal Reserve requires that a bank hold most checks before crediting the customers account for no longer than a reasonable period of time, which is regarded as two business days for a same-bank check and up to six business days for one drawn on a different bank. Financial institutions may hold on-us items for one business day following the deposit. Many use the term EFAA Regulation interchangeably with ( Reg ) CC. )
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

American Express Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an American Express card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts American Express XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma (SC)

I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on Credit Karma. Credit Karma claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2024-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (WA)

My complaint is against the US Bank Fraud Department 's handling of my wire transfers. Their interrogation of me, sending police and the XXXX of the state of Washington to my home to further interrogate me. The Fraud Department locked my access to my banking and credit card information on XXXX. It is still closed. I have credit card payments due and can not access them to be able to pay my bills on time.
Consumer complaint received 2024-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MT)

In the middle of XXXX XXXX, Citibank accused me of a non-payment on a credit card account with XXXX and charged me a late fee on the alleged non-payment. I contacted the institute that I bank with, and they informed me that the autopay schedule was met, and that Citibank had in fact received the monthly payment from my banking institute as arrange by me several months earlier in XXXX XXXX When I contacted Citibank about the error, I was told that a correction would be made, and it would and appear in the next billing on the XXXX of XXXX statement. This never happened, and so I contacted Citibank again in the first week of XXXX wanting to know where the billing statement was that I was supposed to receive. I was told by Citibank customer service that I would receive a statement that would clarify the situation by the second week of XXXX and that Citibank was going to cover the missing {$900.00} payment they claimed they never receive. There was also a discrepancy of {$1000.00} that I noticed on the credit card limit of {$4000.00} when I checked online for the {$900.00} auto pay deposit from my bank, and when I asked why, customer service did nothing to correct this, claiming ignorance of the {$3000.00} limit that I was given in the recorded message when I called. I closed down the credit card immediately and asked for an accounting that shows all transactions for the months of XXXX and XXXX, and I got nothing from Citibank in response to this request. It is my firm belief that Citibank deliberately ran a scam on me because they refuse to address the issue in a timely manner.