davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

My account is being completely mis-managed. I paid my monthly statement but was told they haven't received a payment since XXXX! I've never missed a payment, nor have I been late. Citibank has misappropriated my funds to some unknown account and is refusing to correct their error that they have made. Moreover, my credit limit was {$2500.00} now it's {$2000.00} for some unknown reason. No representative could tell me how this happened or where my money went.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Sunrise Credit Services , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/year>, I have not received any documentary evidence such as a trilateral contract giving Sunrise Credit Services , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Sunrise Credit Services , Inc . If Sunrise Credit Services , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Sunrise Credit Services , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise Credit Services , Inc continues its collection efforts, I will file for litigation for actual damages caused and Sunrise Credit Services , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, debt parking, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (VA)

flagship credit acceptance was paid off threw my insurance company after the vechile was declared totalled from hitting a deer on my way to work the general insurance company sent out a check it had the wrong address they sent out another check it had the wrong address XXXX months later the general sends out another check in the mean time flagship credit acceptance has reported my loan past due and messing up my credit report
Consumer complaint received 2024-08-23
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: SANTANDER HOLDINGS USA, INC. (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc. (IL)

XXXX am I received a phone call from a company who refused to tell me who they were and insisted on me telling them who I was a verifying the last 4 of my social before they will even tell me who they are. I refused and hung up. 

XXXX am I called back to ask who this was that was calling me and they once again refused, it wasn't until I threatened to make a report that they told me who they were very muffled and muted so I couldn't understand. I insisted that they spell the name for me which they did they stated there name was Unifin Inc... I asked out of XXXX XXXX  and they said yes. The individual then stated that they needed to confirm who they were talking to and I said good luck, as I was ending the phone call the individual said we will find out sir. I ended the call. I have no debts owed to this business and they are being very sketchy in collecting individuals information. Their phone number from both calls is XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with Equifax was never late! I have had exceptional payment history with capital 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 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. 


Equifax 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX & Santander consumer usa repossessed my cars and didn't provide me with any information further stating the location of where the vehicle would be, the auction location, I wasn't provided with no important information pertaining to the vehicles. I didn't receive anything in the mail either which I should have and there's different inaccuracies on all 3 credit bureaus & one vehicle was listed as a charge off.
Consumer complaint received 2024-08-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GOLD STAR MORTGAGE FINANCIAL (CA)

For the XXXX  time : We have requested these documents in writing via certified mail to XXXX XXXX, Chief Legal Counsel for Gold Star as of XXXX and confirmed Gold Star received this request. Gold Star has ignored our request. 

1. XXXX document used by Gold Star Mortgage Underwriting prior to disbursing funds and signed by Gold Star employee ( s ) as part of the settlement package to confirm for XXXX XXXX that the name of the party to be paid as seller was correct and that Gold Star was in agreement with Centennial to disburse loan funds to the party named on this document. Because Gold Star seems unable to lay their hands on this very problematic ( for them ) document, we have attached our copy of what that looks like. We want Gold Star 's copy.

2. Please provide Gold Star 's copy of the XXXX which was actually signed by the Gold Star employee who is responsible for approving fund disbursal. As loan origination date is XXXX, this indicates these funds were wired prior to close of business on XXXX so the copy signed by Gold Star ( XXXX XXXX, really though, right guys? ) authorizing the wire will be dated and/or time stamped prior to the one we have included for reference in this complaint. 

3. A copy of the sales contract with buyer and seller ORIGINAL signatures, which, per XXXX XXXX, was requested by Gold Star on XXXX, after Gold Star had already received our DocuSign sales contract dated XXXX and with the binding counter offer dated XXXX. To assist Gold StaXXXX in locating this document, please see the attached request from XXXX XXXX indicating that this original-signature sales contract is needed as apparently our e-signature sales contract wasn't good enough. The only entity which had the right or need to request this would be the lender.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (KY)

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. 
Here is the account name and number for reference and incorrect amount. 
Jefferson capital systems acct # XXXX XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! 
Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX Last XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (FL)

Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below.

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance.

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus.

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report. 

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

After submitting my previous complaint, I received correspondence from Macys today That did not come with anything. I asked him for. I asked him for documentation containing my signature or something proving that the account is mine and this is the second time I received the response from them and they are not able to provide that information. I think it is pretty clear at this point that theyre in violation of The fair credit reporting act. To further prove my argument, the correspondence I received today is not even in my name therefore they are reporting an account to my credit report. Thats not even under my name. I will be uploading photos of this letter as that they are violation and I want this account removed from my credit report immediately. The account I am referring to is as follows : XXXX ) MACYS/CITIBANK, XXXX. 
Acc # XXXX
Consumer complaint received 2024-08-28
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: BARCLAYS BANK DELAWARE (NY)

Dear CFPB Team, I am writing to formally lodge a complaint against Barclays Bank in connection with a recent dispute I filed on my JetBlue credit card concerning a purchase made from XXXX. Despite providing ample information that the products I received were defective, misrepresented, and not as described, my dispute was denied, and I was instructed to contact the merchant directly, which has proven ineffective. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both the console and the dresser arrived in damaged boxes, and the materials were of poor quality, with the particle board breaking during assembly. 
2. False Advertising : The products were falsely advertised as being easy to assemble, which was not the case. The assembly process was overly complex and time-consuming, spanning more than 20 pages in the manual. 
3. Misrepresentation : The items looked nothing like the pictures on XXXXXXXX XXXX  website, and the quality was far below what was advertised. 
Barclays Response : After filing my dispute, Barclays denied my claim, stating that I needed to contact XXXX directly to resolve the issue. However, XXXX has been unresponsive to my attempts to seek a refund, leaving me without recourse. Barclays did not provide me with any opportunity to explain the situation further or to provide additional evidence to support my dispute.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (IL)

Base on, 15 U.S Code $ 1681c-2 a consumer report agency shall block the reporting of any information in the file of a consumer, that the consumer identifies as information that result from an alleged identity theft.

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 I am requesting for the original copy of the agreement, term and condition. Failure to comply with forfeit yours claims and will require you delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

I have a checking account with Wells Fargo, and I received a promotional offer to Get {$2500.00} bonus when you upgrade your banking relationship to Wells Fargo Premier. My offer code is XXXX. 
A banker, at the branch, applied the offer code and upgraded my relationship to Wells Fargo Premier on XX/XX/2023. I received a promo code validation from the banker. 
I have met all offer requirements ( please see description below ), but I did not receive the {$2500.00} bonus. 
The bonus requirements are as follows : 1. " Upgrade to a Premier Checking by XX/XX/2023. '' I upgraded my account to a premier at the branch on XX/XX/2023. 
2. " Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a {$250000.00} balance through Day 90 after account upgrade. Qualifying linked accounts include ( a ) bank deposit account balances ( checking, savings ) ( b ) investment account balances. 
In my case, I needed to bring a total of {$250000.00} or more by XXXX XXXX, XX/XX/2023. By XX/XX/2023 ( Day XXXX ), I already had over {$250000.00} in new deposits in my 3 qualifying linked accounts. ( {$25.00} in the checking account, {$25000.00} in savings account, and {$220000.00} in my investment brokerage account ). The 90 Day was XX/XX/2023, yet I continue to maintain over a {$250000.00} balance through today, XX/XX/2023. 
Although I met all the requirements, I did not receive the {$2500.00} Bonus.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I been XXXX out to this company for over a year now an they are refusing to communicate With My Mail Notices to this company. I need them to validate this debt That I Owe! Punishing borrowers with repossessions : Credit Acceptance Corp demanded borrowers pay for coverage they did not need or else face delinquency, additional fees, and repossessions. Credit Acceptance Corp conducted repossessions of vehicles when the delinquency was caused by the bank charging unnecessary and duplicative coverage. XXXX XXXX XXXX XXXX is where I got the vehicle from has refuse to give me Bank information on My Retail installment Contract tell me my bank is Credit Acceptance Corp an that is inaccurate! I been scam Into a XXXX XXXX XXXX XXXX XXXX! An XXXX Initials Are Invalid On this contract! illegally loading up auto loan bills with excessive charges, with almost XXXX of families losing their cars to repossession! Out in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT ACCEPTANCE CORP has XXXX XXXX XXXX and charged illegal fees by forcing loan borrowers into unnecessary and duplicative coverage policies! I had got A letter from credit Acceptance corp asking for XXXX or XXXX XXXX, I had reach out asking for the XXXX XXXX XXXX XXXX an This company Refuse to Comply and tell me they don't except Bond Only Cash when they stated it in the Letter! Giving me a hard time to setoff this debt to the XXXX XXXX XXXX XXXXXXXX XXXX! Also they Use My Name on my SSN # an so I know in Fact They are Using My Account To Pull CREDIT! I never Gave them A Middle Name Only First An last Only! Also the Purchase Price Don't Match My XXXX PURCHASE PRICE! Also the contract Dont Give Full disclosure Of the State Of XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (IL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and XXXX. Please delete the following accounts XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( XXXX ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX  - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of XXXX XXXX-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX  - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.