davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC (NM)

on XX/XX/XXXX I received my 4th title loan through titlemax with my XXXXXXXX XXXX XXXX. before my payment was due, within the first 30 days titlemax hired a tow company to come to my home and repossess my vehicle. i called corporate and wanted to know why they would send a tow company to take my vehicle and they said that i was not a corporate concern and to contact the store were i got my loan, i then contacted the store and demanded to know why they breached our contract agreement, i was then told that titlemax was going out of business and that was the reason for violating the contract. having had 3 prior loans fully paid off within 3 months of receiving the loans using the same car as collateral, I felt wronged and violated, by titlemax breaching the contract that we had agreed upon, i feel that they picked me out cause they new i would pay my loan off like all XXXX previous loans had been paid in full, titlemax never returned my title to me since my first loan on XX/XX/XXXX XXXX APR 143.35 % paid in full on XX/XX/XXXX. 2nd loan was XX/XX/XXXX XXXX APR 143.35 % paid off XX/XX/XXXX. 3rd loan XX/XX/XXXX for XXXX APR 174.36 % paid off XX/XX/XXXX 4th loan on XX/XX/XXXX for XXXX APR 173.35 % titlemax BREACH OF CONTRACT! illegal debt collecting practices by trying to repossess my car before first payment due. then on XX/XX/XXXX I was inside my vehicle when a tow truck came to my house and picked me and my car up by XXXX wheel suspending my car and myself XXXX feet in the air damaging my vehicle and my property when he went to put my car down it would not go back into park, hudge pile of transmission fluid in my driveway police came, XXXX called due to my airbag deployment they made a report, got car fixed and then on XX/XX/XXXX auto theft/ unlawful taking XXXX XXXX XXXX [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the tow company did not call my car in for a repossession or recovery of any kind, no history of a vehicle being taken from myhome. I have 3 police reports, XXXX XXXX XXXX loss of work, created XXXX i never had before, I contacted corporate on XXXX XX/XX/XXXX spoke to a lady and sent a email to XXXX on XX/XX/XXXX and again on XX/XX/XXXX and to this day they have not responded to my complain that stated i was taking legal action for breach of contract, damaging my vehicle and property, and illegal repossession, Im seeking my vehicle back and XXXX for the damages, XXXX, and loss of work. as time goes by the amount goes up while i still am without my vehicle today
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NJ)

Hello, I find it highly problematic that Citibank is refusing to close client 's credit card accounts. I understand that they are trying to catch up with other big retail banks in the credit card business, but I think their business practises are highly unethical and unprofessional. My detailed experience is as follows. 

I signed up for a Citibank credit card a couple years ago. However, I didn't really like their offerings compared to their competitors, so I rarely used the Citi credit card. Last summer, I noticed a fraudulent activity on that card which prompted me to call Citibank to close my account. However, their customer service staff were extremely resistant with my request. They kept on going in circles asking me why I wanted to close the account and started offering me things I don't need in order to keep my account open. I was in a rush when I called, so I decided not to bother closing it. 

A year later, I decided to call Citibank again to close the account. They did the same tactic where they kept on asking me why I wanted to close the account. I answered, " I don't use your card and I want to close it ''. However, they refused to take that as an answer. They responded : " For compliance reasons, we need to know why you want to close the account ''. I said I already told them why I want to close the account. And then they started offering me 10,000 " ThankYou points '' to prevent me from closing the account. After wasting half an hour of my time, I became very impatient and I had to tell them, this is my account and I have the right to close it. I told them that I would report the to the regulators if they refuse to close my account. Only until then, they closed my account. 

I find their behaviour highly manipulative and unprofessional. I want to bring this to the attention of the regulators, as I think this is highly problematic and I have not experienced similar behaviour from other banks. 

Regards, XXXX
Consumer complaint received 2023-05-01
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)

Collection agency reported a debt to All 3 bureaus iXXXX XXXX From a finance company XXXX XXXX XXXX XXXX And after the 7 years of being on my credit report XXXX and XXXX removed the debt but Equifax reinstated because XXXX XXXX COMPANY SOLD THE DEBT TO A Collection XXXX XXXX XXXX XXXX so now the same debt that been on my credit report has been reinstated as a new debt now today that same debt has been on my credit report since 2014 if there is anything that can be done I very much appreciate and thank you in advance!
Consumer complaint received 2023-05-01
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. (FL)

This closed account is fraudulent and unauthorized as I was a victim of Identity theft. Please remove the mentioned account from my credit report in accordance with FCRA 605B ( 15 U.S.C 1681 c-2 ) which states that these accounts must be removed within 4 Business days of receipt. I have no knowledge of this account as I was only XXXX XXXX XXXX. I reached out to Equifax to remove the item and they have not been able to assist me. I sent Equifax my dispute letter, FTC report, and 2 forms of identification but have not received a response since the date of this complaint.
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

Dear PayPal, I am writing to submit a complaint regarding the permanent limitation of my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake and that I have not violated any of PayPal 's policies. 

Firstly, I would like to stress that I have always adhered to PayPal 's policies and regulations. Therefore, I am confident that no infringement has been committed on my part that justifies the limitation of my account. The sudden and unexpected limitation of my account has caused me significant inconvenience and financial losses. 

I respectfully request that you re-examine my case with a view to lifting the account limitation. I believe that there may have been a misunderstanding or miscommunication that led to the limitation of my account. As such, I would appreciate a thorough investigation of my account to ascertain that I have not violated any of PayPal 's policies. 

I would like to highlight that my PayPal account is essential for my daily transactions and online activities. The limitations on my account have caused me undue hardship and have severely affected my business operations. 

Therefore, I would like to kindly ask PayPal to reconsider and reinvestigate my case as soon as possible. I am hopeful that upon further review, you will find that the limitation placed on my account was unwarranted and that my account will be restored. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (MS)

There is a discrepancy of a late payment for my Exeter account. For my XXXX and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. 

Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

In 2011, I first noticed that a XXXX XXXX bill appeared on my credit report when I attempted to purchase my first vehicle. According to my credit report at the time, someone by the name of XXXX XXXX, who resided in XXXX, California at the time, had used my Social Security number as a cosigner for her to get a XXXX phone. This charge had fallen off of my credit report in XXXX timeframe, however, when my husband and I recently wanted to look into buying our first home, the credit repair company we worked with pulled what they called a deep dive report that they claimed will pull anything lingering on our report, even if it has fallen off. It was at that time that the XXXX XXXX bill came back onto my credit report as if it was a brand new collection account. Considering how long I have been disputing this account and have proved that it is not mine over and over again and XXXX and the creditors continue to sell the debt and ruined my credit is unacceptable. I need someone to intervene and get them to stop. It is {$700.00} of debt that is not mine, and I refuse to pay for someone elses debt, and they should be going after the person who owns the account, not me.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment pm am account under an open and consumer credit plan as late for a purpose.
Consumer complaint received 2023-05-01
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: ALLY FINANCIAL INC. (AL)

At the beginning of this year, XXXX, I was struggling to make my minimum payments. I entered into a payment plan in XXXX. However, I was able to pay my card down completely in XXXX. When I logged onto my account in XXXX, my account showed a hold. I've contacted the company and they stated that I agreed to a six month payment plan and my account will be on hold until XXXX. I asked them to remove the hold, but they stated they are unable to remove the hold or refund the payment. I was unaware that if I paid my card off, I would not be able to use it. Otherwise, I would not have paid the full balance on the card. Therefore, I paid {$2100.00} and they are not allowing me to use my card.
Consumer complaint received 2023-05-01
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: Credit Karma (IA)

Credit Karma and laws of title 15 USC-1692k section 813, 1692k ( 11 ), 15USCode-1681n-for every unauthorized inquiry on credit report! 
15 USC-1681b ( c ) ( 1 ) 12 USCode-83-banks can not lend money as defined by law they are the borrowers and they purchase securities. A deposit is banks record of it's debt owed to the public 15 USC-1635/12 CFR-1026.3 ( b ) ( 1 ) ( i ) ( a ) Bills of Exchange ACT of 1882 Federal Reserve ACT Currency ACT Birth certificate ACT Securities exchange ACT Federal Reserve ACT , section 16/credit denials are unlawful. The application is a Promissory Note Breach of contract which constitutes securities fraud!
Consumer complaint received 2023-05-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

This is embarrassing not only for me but also for my family and me, and I'm so stressed out and disappointed that it's happening to me and my credit report. It is clear that either you made a mistake or that the business erred in reporting this incorrect information.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I called Mr. Cooper, my loan servicer on my mortgage loan, regarding dropping my mortgage insurance the week of XX/XX/XXXX. I was told by their representative ( they record their conversations ) that if I waited until I hit the two year mark then I would not need to disclose all the substantial improvements we have made to the home. We have spent approximately {$60000.00} on two new bathrooms, new floors, fixtures, countertops, etc. Rather than dig out all my old banking records she encouraged me that the process would be easier in two weeks. I called Mr. Cooper today, two years and one day from my original mortgage note of XX/XX/XXXX and was told now that I am one day over the two year mark, I now have to obtain 65 % loan to value instead of 80 % I would have needed two weeks ago. Now they are telling me that there is nothing they can do as these are XXXX XXXX regulations. Had I not called my loan servicer and been misled I would agree with them. However, I called them looking to obtain their process to drop my mortgage insurance and was told since I was under 2 years I would need to provide all of the information regarding all the improvements but if I just waited two weeks then this wouldn't be necessary. Their answer was misleading they should have finished with " but be aware if you wait you will now be required to get to 65 % instead of 80 % ''. My mortgage insurance is {$150.00} per month. Their misleading information and encouragement to wait ( I'm guessing the individual I spoke with didn't want to take the time to go over my improvements ) will cost me an extra {$9900.00} over the next 5 years which is when you get to the next loan to value tier. I asked to speak to a supervisor and they claim she will call me but nothing we can do except to say we are sorry their representative didn't give me the correct information. In other words, it's okay to lie or just say you are sorry that their representative gave me misleading information but it's XXXX XXXX rules nothing they can do now. Unethical and unfair to me as a consumer.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

On XXXX XXXX XXXX XXXX violated my rights , by reporting false information on my report, that result in multiple ( 3 ) late payments, i wish for these late payment be removed from my report immediately!
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo continues to tell me the fraudulent charges I reported on my credit card from XX/XX/XXXX are valid. I nor anyone known to me or my husband made these charges. The fraudulents charges were made at XXXX XXXX in the amount of XXXX and some store called XXXX for XXXX. 

In essence, Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) filing a false police report for the fraudulent charges. When I first reported the fraud, Wells Fargo said nothing about filing a poliice report then said I had to, so I did, They still insist the fraudulent charges are valid which is against the law. 

My husband had signed and written the attached letter, validating that I am XXXX, can XXXX XXXX greater than XXXX a mile without XXXX XXXX XXXX or XXXX XXXX XXXX which is dangerous.
Consumer complaint received 2023-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SUNCOAST CREDIT UNION (FL)

I had a loan with Suncoast FCU for my XXXX XXXX XXXX. 
I traded the XXXX XXXX in for a XXXX XXXX. 
I kept the same insurance policy and limits, and just swapped the cars out. 
The limits for the XXXX XXXX XXXX and XXXX XXXX are the same and should satisfy Suncoast FCU requirements. 
The policy number is also the same, from XXXX, so there was no change to notify XXXX XXXX about. 
However, XXXX XXXX began charging me high amounts for not having insurance. 
All they had to do was utilize the same policy I gave them and they would see its always been insured since the day I left the lot.
Consumer complaint received 2023-05-01
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)

It has been brought to my attention that XXXX has CONTINUED to engage in violating all my consumer rights to the point where it has gotten out of hand. I have undergone NUMEROUS encounters with XXXX at this point. I AM REQUESTING THAT CHASE SEND ME MY public and private accounting records in accordance with XXXX, and all other account records. BILLING STATEMENTS AND LETTERS ARE NOT DOCUMENTARY EVIDENCE AND ARE CONSIDERED FRAUDULENT DOCUMENTATION! AS A CONSUMER PER THE LAW WHAT YOU ALL DOING IS DEAD RIGHT FRAUD! I am giving you TEN DAYS TO send me all DOCUMENTARY EVIDENCE WHICH INCLUDES MY PUBLIC AND PRIVATE ACCOUNTING RECORDS OR I WILL SUBMIT IN THE FOLLOWING WHISTLEBLOWER FORMS TO THE IRS due to TAX FRAUD! Furthermore, YOU ALL CONSTANTLY HAVE HARASSED AND ABUSED ME BY CONTINUOUS CALLING MY PHONE. PER THE LAW, THIS IS A VIOLATION! Per the FDCPA, it is a {$1000.00} fine per violation! 

PLEASE REVIEW THE ATTACHED WHISTLEBLOWER FORMS! I AM KEEPING ALL DOCUMENTATION AND RECORDING ALL EVIDENCE TO BUILD UP MY CASE FOR LITIGATION! 

THIS IS EASILY CONSIDERED A RACKETEERING CASE WHICH RESULTS UP TO IMPRISONMENT FOR 20 YEARS! 

DO NOT SEND ANY MORE STATEMENTS OR LETTERS, SEND ME MY PRIVATE AND PUBLIC ACCOUNTING RECORDS OR BLOCK, REMOVE, AND DELETE THIS ACCOUNT! 

ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681.

Account # XXXX**** has violates my rights.

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2023-04-28
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. (MS)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX  XXXX Balance : {$5300.00}, XXXX XXXX  XXXX Balance : {$6000.00}