davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2023, I applied for a business auto loan to purchase a brand-new XXXX XXXXXXXX XXXX XXXX via the XXXX mobile XXXX. My understanding is that XXXX XXXX sends the loan application to a pool where you have multiple financial institutions which includes but is not limited to TD Auto Finance ( " the bank '' ) bidding for the application. 
Note, this is our second business auto loan application through the XXXX mobile app within a space of about one month. 
The amount to be financed by the bank was about {$45000.00} and like the previous application, I provided my personal information for the purpose of personal guarantee ONLY. 
On XX/XX/2023, I got a notification from one of the credit bureaus that I have a personal auto loan. I contacted the bank to reallocate the loan to the business and they informed me that they don't offer business loans and that my best bet was to refinance the loan. 
Currently, I have a hard inquiry and an auto loan on my credit report. These if left, will negatively impact my ability to access credit that was originally accessible to me. I've attempted to dispute those with the three credit bureaus but today ( XX/XX/2023 ), I got an update from one of the bureaus that nothing has changed on my report based on my dispute and it's been finalized. 
I thought to escalate to your office for further review and assistance to have both the hard inquiry removed from my personal credit report as well as the loan. All those belong to the business and all I did was provide a personal guarantee like we did in the previous business auto loan with XXXX. 
I'm counting on your assistance and will be willing to provide any document regarding this issue upon request. 

Sincerely, XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio RC is not the original creditor for this account, and I do not have a contract with them. Opened date XX/XX/year>. Balance {$650.00}. Placed for collections. Also, past the statute of limitations.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

LVNV FUNDING LLC ( XXXX XXXX  ) has claimed a debt that is negatively impacting my credit record. Despite multiple demands for evidence of debt, they have failed to produce any and just keep sending demands for payment. This is clearly an extortion attempt by damaging my credit record and demanding payment to stop doing so.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

On XXXX XXXX of XXXX received a notification saying money got sent from my chime account to my XXXX account of XXXX getting sent to someone without my acknowledge I contacted that person who got sent the money and also contacted the merchandise and they said they couldnt do nothing about it to contact the person who sent my rent money to the receiver and I told them idk who sent it so they never sent me my money XXXX said they couldnt do nothing as well as chime when I let them know money was took out my account.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/2024, I purchased a vehicle from XXXX TX, XXXX. During the transaction, several significant issues arose, leading me to believe the contract was executed under unfair and deceptive practices : Misrepresentation of Payment Terms : The down payment amount was discussed as being between {$2000.00} and {$4000.00} during text message exchanges with the sales representative. However, I was charged {$3000.00} at the point of sale, which was not clearly communicated beforehand. 
The monthly payment was vaguely described as a " low {$500.00} payment, '' but the final amount was {$460.00} for 72 months. The exact payment terms were not disclosed until the point of signing. 
Failure to Disclose Finance Charges and Use of High-Pressure Sales Tactics : The interest rate of 24.10 % and a total finance charge of {$15000.00} were not disclosed during the negotiation process. These terms were only revealed at the point of signing, where I was pressured to complete the paperwork quickly. 


The documents were signed late in the evening as the dealership was closing. The rapid succession of signatures, combined with the late hour, created a high-pressure environment in which I was not given sufficient time to review the terms thoroughly. 
Pre-Population of County Selection : The `` County of Title Issuance '' form was pre-populated with XXXX XXXX without my input. I was not given the opportunity to select the appropriate county for title issuance, which is required by law. 
Unjustifiable Denial of Credit and Predatory Lending Practices : Violation : The high-pressure tactics used to finalize the contract and the lack of transparency about the finance charges and terms may indicate predatory lending practices. 

Applicable Law : Texas Predatory Lending Law, Texas Business and Commerce Code 2.302, and the Uniform Commercial Code ( UCC ) require transparency and fairness in all credit transactions. Contracts signed under duress or under deceptive practices are voidable under Texas law. 

Undisclosed Additional Charges : Charges for a Service Contract ( {$2200.00} ) and Appearance Protection ( {$640.00} ) were added to the final amount financed without proper disclosure or my explicit consent. 
Excessive and Undisclosed Documentary Fee : A documentary fee of {$150.00} was included in the transaction without clear disclosure. 
Due to these issues, the contract was executed in violation of federal and Texas state laws, including the Texas Deceptive Trade Practices Act ( DTPA ) and the Truth in Lending Act ( TILA ). I am seeking the rescission of the contract, a refund of my {$3000.00} down payment, and the removal of charges related to the additional products. 

These practices have caused significant distress, and I request prompt resolution to avoid further action. Due to the excessively high interest rate of 24.10 %, I am unable to afford the monthly car payments. This financial burden has also led to my denial of employment opportunities, further exacerbating the situation.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NQM Funding, LLC (FL)

I was in the process of buying a home. I had gotten a pre approval letter on XX/XX/XXXX from XXXX XXXX XXXX. XX/XX/XXXX I put an offer on a house. XX/XX/XXXX I received messages that my loan was approved. My closing date was set for the XXXX of XXXX. XXXX XXXX real estate agent asked if everything was on tracked hed say yes. Builder need more time closing was move for the XXXX he said the sooner the better everything was set. Closing amount was never disclosed to me. XXXX team lead told me it might be XXXX. Then XXXX  days before the I was told it would be in the XXXX XXXX. Then the day before closing I was told I was XXXX short to close. I told him I didnt have that. Then I was transferred to the manager XXXX XXXX who explained that without the XXXX or a gift receipt I wouldnt be able to close. My boyfriend offered to pay the which was okay with XXXX. Then suddenly he told me to refer to his manager XXXX due to the complexity of the loan and he refuse to help anymore and just gave me her number. XXXX was unreachable then I received an email stating that I needed XXXX gift receipt to cover necessary fund plus reserve which reserve is XXXX. Ive never seen so much unprofessionalism. Communication wasnt clear. They arent taking responsibility for anything. Blaming me stating I didnt give necessary documents requested by their teams many times when everything on their portal said caught up. Then it was a low credit issue which was never mentioned before. They even blame the real estate agent. The denial letter stated conditions not met was insufficient fun. Ive never seen so much negligence. I applied for FHA loan they gave me a conventional loan approval which made things difficult with seller. There are many time I couldve gotten out of the situation and get my XXXX deposit back but they waited till the day before. 
I received a loan denial email on closing date and that even had a different interest rate then what I originally had on file.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (PA)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Ford Motor Credit due to their failure to properly credit same-day payments made through their online payment system. This issue results in late payments being reported to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal credit reporting laws. 

Under the FCRA, creditors who report to credit bureaus must provide accurate information and must correct or delete any information that can not be verified as accurate. Specifically, 15 U.S.C. 1681s-2 ( a ) mandates that furnishers of information to consumer reporting agencies, such as Ford Motor Credit , have a duty to provide accurate information and update or correct any inaccurate information. Furthermore, if you dispute an item on your credit report and the furnisher fails to adequately investigate and respond, they violate the FCRA. Ford Motor Credit 's failure to properly credit payments and their lack of response to disputes through credit agencies or direct communication is a breach of these obligations.

Additionally, creditors are required to adopt reasonable procedures to ensure accurate reporting of account status. Ford Motor Credit 's failure to credit same-day payments accurately leads to false reporting of late payments, which is both misleading and damaging to my credit report. The FCRA ensures that every consumer has the right to dispute inaccurate information and requires the furnisher to conduct a reasonable investigation into the dispute. Ford Motor Credits actions not only obstruct my ability to maintain a fair credit report but also directly violate federal law by not validating the debts when requested and by failing to respond properly to disputes.

I demand that Ford Motor Credit remove the late payments from my credit report for the XXXX  XXXX XXXX, as their practices violate the FCRA. If they continue to report inaccurate information or fail to correct their systems to prevent further errors, I will pursue all available legal remedies under the FCRA, including seeking damages for any harm to my credit reputation.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, an online bill pay to XXXX XXXX from BOA was processed for XXXX however funds were not available leaving a negative balance of approximately XXXX. 
On the same day, we alerted BOA the auto account was closed & the car paid off on XXXX. We were told XXXX rejected the payment as the account no longer existed. 
In the same transaction we cancelled the online bill pay & to ensure a XXXX attempt was not made placed a stop payment. 
The next day XX/XX/XXXX the negative balance was removed & our account credited. 
On XX/XX/XXXX, another online bill transaction occurred to XXXX for the same amount & XXXX was deducted from our account.We again called to inquire & was told it was an err ( the funds would be returned ). 
On XX/XX/XXXX, seeing the funds was not returned I called to inquire & was told a case was being entered & the funds withheld for XXXX days ( from XX/XX/XXXX ). When I inquired the reason I was told by a supervisor an investigation was being conducted due to funds not being available on the original transaction.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (TX)

I am writing to formally dispute several inquiries listed on my credit report that I believe to be fraudulent. I did not authorize these inquiries, nor did I initiate any transactions or applications related to them.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suttell, Hammer & White, P.S (WA)

**To Whom It May Concern, ** I am writing to formally lodge a complaint against the law firm Suttell and Hammer P.S., whom I believe have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Washington State law.

XXXX is there contact information # # # **Details of the Complaint : ** 1. **Lack of Debt Validation : ** - Despite my request for debt validation, Suttell and Hammer P.S . have failed to provide any documentation or verification of the debt they are attempting to collect from me. Under 15 U.S.C. 1692g ( b ) of the FDCPA, they are required to cease all collection activities until they provide proper validation. Instead, they have continued their collection efforts without fulfilling this legal obligation.

2. **Failure to Notify Prior to Filing a Lawsuit : ** - Before filing a lawsuit against me, Suttell and Hammer P.S . did not send any written notice or documentation to validate the debt. I was not given any opportunity to dispute or resolve the matter before legal action was initiated. This failure to notify me properly before filing a lawsuit is a violation of my rights.

3. **Aggressive Collection Practices : ** - Suttell and Hammer P.S. have pursued aggressive legal actions without providing the necessary proof of the debt 's validity. Their actions have caused significant distress and have led to a situation where I feel my legal rights have been disregarded.

# # # **Request for Action : ** I request that the CFPB investigate the practices of Suttell and Hammer P.S . to determine whether they have violated federal and state laws in their attempts to collect this debt. I also seek guidance on how to proceed to ensure that my rights are protected and that any unjust actions taken against me are corrected.

I am happy to provide any additional information or documentation necessary to support my complaint. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

**Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account with this XXXX XXXXXXXX XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 2024-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

The issue and concerns have not been resolved. CashApp is only saying 'what they might and/or can do ' in the future with offering NO RESOLUTION AT ALL to my initial and current concerns. I request that this complaint REMAINS OPEN until such time that the concern has been resolved ; AND, that I have received a written response to 'their findings and investigation. ' I am aware that this company is now facing a Class-Action Lawsuit for very similar situations regarding identity theft as well as the company blatantly denying credit without due diligence of verifying identity. AGAIN, I REQUEST THAT THIS CASE REMAINS OPEN UNTIL SUCH TIME THAT CASH-APP HAS COMPLETED THEIR INVESTIGATION, RESOLVED THIS ISSUE, AND PROVIDED A WRITTEN RESPONSE. XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: World Omni Financial Corp. (FL)

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] FCRA 605B ( 15 U.S.C. 1681c-2 ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX  Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2023
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXXXXXX Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2023