davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (NY)

I arrived at the dealership around XXXX on XX/XX/XXXX, I was told i was approved for financing and purchase of the vehicle. i put XXXX  down and the car was taking for detailing and i was told to wait for the manager to finish the paperwork.we waited over XXXX hours to meet with the manager, in the meantime, i explained to the salesmen that i had to pick up my son at XXXX and had to leave the dealership by XXXX. we waited of XXXX hours and when we final did the finance manager said i was not approved for financing and i need to put additional XXXX dollars down. i was confused and felt i was being discriminated against. stating my credit was bad and my lack of knowledge of buying a car. when i asked a question about pricing or my options. i didn't realize until i got home and was able to clearing review the paperwork that i paid XXXX for the vehicle that was listed online for XXXX. 
I contacted the dealership online and filed a complaint which lead to a phone call that wanted more detail of my encounter and was told they would investigate and notify the manager who handles this area but never heard back. XXXX weeks later i was contacted about my plates arrived and i again ask about my complaint which was told again it will be forwarded to the manager that handles theses issues but as of today i have not be contacted by anyone from the dealership regarding my complaint.
Consumer complaint received 2024-09-13
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: CITIBANK, N.A. (NC)

Back in XXXX  2024 made a dispute request against ( XXXX XXXX ) company for an inadequate job. Won that dispute. During this dispute the company ( XXXX XXXX  ) illegally charged my credit card a second time, I notified credit card ( citi cards ) immediately and they assured me they would handle it however, they did not and are now wanting me to pay this illegal charge. I do not owe this money. Citi Cards was wrong I sent paper work requested showing that i was charged twice for same service Sincerely XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (IL)

I am filing this complaint against XXXX, XXXX, and Innovis for inaccurately reporting a bankruptcy on my credit file. Specifically, these agencies have listed the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as the data furnisher of the bankruptcy information. However, I have received an official letter from the U.S. Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX confirming that they do not furnish any information to credit reporting agencies or credit monitoring services. They further stated that they do not verify or validate any bankruptcy-related information for credit reporting purposes. 

Despite providing this information and disputing the inaccuracy, XXXX, XXXX, and Innovis have failed to remove the erroneous bankruptcy from my records. This inaccurate listing has negatively impacted my creditworthiness, leading to a lower credit score and potential denial of credit. It is imperative that this incorrect information be corrected promptly.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (CA)

on the day of XX/XX/XXXX  i was having a verbal altercation with my ex girlfriend and I ended up being detained. I was XXXX  for 7days in total. 
when I was released I had no access to my phone or banking because my phone was not in my possession when I got arrested. I came home and was able to log into my online banking and became aware of so many unauthorized transactions from the date of XX/XX/XXXX  from to XX/XX/XXXX  I immediately came into my bank branch located in XXXX, ca where I made my dispute claim to the branch manager XXXX XXXX fax # XXXX she assisted me the best of her abilities. the date of XX/XX/XXXX  I received a call from XXXX XXXX from the department of bank fraud # XXXX she informed that I had to make it a civil matter because she didn't think it was fraud she asked me to reach out yo my ex girlfriend who I assumed who may have made the transactions on my account witch I did and found out that she had no involvement in my money being taking from me. I spoke to her and we came to the conclusion that she went involved and now I'm back to square one of trying to reimbursed my funds into my checking account please help me with this I would highly appreciate it.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: ZWICKER & ASSOCIATES (FL)

Prior to the following noted date, I had received multiple emails containing exactly the same information. On XX/XX/year>, I used a link embedded in that email, sent to me directly from the Zwicker & Associates, PC. It was stated, in the body of the email, this link address would redirect me to their website XXXX XXXX and allow access to alternative repayment options. However, access to this alleged XXXX XXXX, via their website, was blocked by my malware protection application, which is installed on my computer system. Zwicker & Associates, PC had employed the use a type of phishing method or process to acquire my personal and private financial information, without my knowledge or permission. This was a very bold attempt to infect my computer with malware in order to possibly obtain my bank account numbers, credit card details, login credentials and any other very sensitive data. My antimalware software installed on my system, and in my browser, prevented me from being Zwicker & Associates, PC next victim of this very serious cybercrime attempt. 

Zwicker & Associates, PC clearly violated the provision in the Fair Debt Collection Practices Act, section 807, False or misleading representations ; violation example number XXXX, the use of any false representation or deceptive means to collect or attempt to collect any debtor to obtain information concerning a consumer. They misled me by representing the link to their Payment Portal as safe and virus free. Then, attempted to deceive me, by offering a means of accessing alternative repayment options, knowing that link would download malware onto my computer hard-drive, and subsequently steal all of my personal and financial information for their client, XXXXXXXX XXXX XXXX XXXX. Zwicker & Associates, PC appear to possess the characteristics and furtiveness of the worst thieves in the XXXX century, cyber thieves. In addition, Zwicker & Associates, PC stated, in documentation, their client is XXXX XXXX XXXXXXXX, and they are not the Plaintiff in any action. Therefore, the only logical assertion : XXXX XXXX XXXX is aware of Zwicker & Associates, PCs cybercrime practices and were in collusion to steal my most personal and financial information.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with 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 60 days 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 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 8
Consumer complaint received 2024-07-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC (TX)

Dear Team, I hope this message finds you well. I am urgently reaching out regarding a XXXX situation involving an online coaching program offered by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX specifically their course titled XXXX XXXX XXXX XXXX XXXX XXXX which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only three days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party XXXX XXXX XXXX XXXX XXXX, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community. 

Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for their practices. Assistance in navigating this matter and protecting my family from further harm is crucial. 

Additionally, ongoing health challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (LA)

I demand immediate, unequivocal evidence in the form of verifiable proof. I insist on being provided with an original consumer contract bearing my unmistakable signature for the account specified below. Your failure to comply with this demand is not only a blatant violation of your legal responsibilities, but it also directly undermines my ability to obtain credit. 
Let me be clear : unverifiable accounts, as clearly stated in the FCRA, must be promptly removed. If you are unable or unwilling to provide me with concrete evidence to substantiate the existence of the account in question, I expect nothing less than its immediate removal from my credit records. Failure to adhere to this demand will result in severe consequences, as I will not hesitate to pursue aggressive legal actions to ensure that my rights are fiercely defended, and that you are held personally accountable for your audacious and deliberate disregard for the law
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (IL)

This company placed an erroneous collection on my credit file. I requested that the company provide me with purchase agreement between their company and the alleged original creditor authorizing them to collect on their behalf to which they have not done so as of todays date. 

The company provided me with that appeared to be an account statement which is NOT what I asked for. I asked for them to provide me with a purchase agreement, authorizing them to collect on the alleged original creditors behalf. 

I have never done business with this company and have never shared my personal identifying information with this company. 

Moreover, obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX ( a ) ( 7 ) - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person. 

Additionally, while reviewing my credit report, this collection account is not XXXX Compliant as the Activity Date, Date of Account Balance, Date Opened, Account Status, Date of Information, Date Verified, Remarks, Account Terms Length, Past Due Amount, Data Reporter Telephone Number is inaccurate and inconsistent between XXXX, XXXX, and XXXX.
Consumer complaint received 2024-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.XXXX laws.
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems LP is the debt collector that took over the account for XXXX. I have attempted to resolve the issues with the previous Collector agency. However, the account has now been switched over to XXXX XXXX XXXXXXXX XXXX. The account initiated with XXXX XXXX should not have a balance. I requested that services be discontinued after experiences technical difficulties upon visiting the Local Authorized dealer immediately after a resolution was not meet during my visit. However, XXXX XXXX continued to charge the account resulting in a collection account. Extremely unethical procedures. 

I switched over to XXXX XXXX due to convenience and fixed rates. I was able to walk in the authorized store, pick up a XXXX and begin remote work. I am beyond appalled with XXXX XXXX 's resolution. XXXX XXXX did not take accountability for the outdated equipment and lack of customer support. There is no reason why as a new customer I should have to pay for an upgraded XXXX tower only a few months within. This is extremely unacceptable. After my multiple horrible experiences with T Mobile, I can imagine why T Mobile is not BBB accredited. I attempted to address my issues with T Mobile, prior to requesting that services be discontinued in the same manner, as I attempted to resolve this current complaint. My relationship with T Mobile has been destroyed to an unthinkable level, due to the poor technical support, outdated XXXX WiFi system and the XXXX XXXX XXXX ( M.R. ). All these issues were totally out of my control. As I mentioned during my conversation with the XXXX XXXX XXXX XXXX. ( M.R. ), I work remotely and these multiple IT issues with T Mobile WiFi XXXX caused me a great deal of stress and hardships both physically and mentally. I was forced to use accrued leave and suffered no pay due to these many IT issues. 

As a Consumer I have adhered to what was expected of me. I notified XXXX XXXX of my issues and request to discontinue services. I also return XXXX XXXX 's equipment as required. 

My relationship with XXXX XXXX has been destroyed. I am seeking CFPB assistance in removing the collection account from my history and removing all existing accounts, personal information etc., from T Mobile and its subsidiaries.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery has been calling my cell phone multiple times a day for months beginning in XXXX 2024. I answered, there was no one there. It was silence, and then a click. So, I started ignoring the calls thinking they'd stop, but they didn't. Then, I started blocking the calls. 

Every time I block a number, another number starts calling, and the caller ID says : Portfolio Recovery. They never leave a message. They just continue calling, relentlessly. Day after day. 

I XXXX Portfolio Recovery and saw it's a debt collection company. I don't owe any unpaid bills. I XXXX the numbers. They are all robocall, scam, or spam numbers. At this point, it's harassment. I'm XXXX with a serious illness, and my father is a XXXX veteran. I don't have the means to hire an attorney and pursue this. 

I need help to make it stop. Please find whomever is behind this and take legal action. 

They've used these numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have some screenshots of the months and months of near daily phonecalls, but those are only the calls I rejected. There are more.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I received my first email on XX/XX/year> about my venmo account being closed, which stated the funds weren't available for up to 180 days. I received a second email on XX/XX/year> stating my funds were available to withdraw. I tried withdrawing my money, but the internal security system wasn't allowing me to add a bank account. I tried contacting support for help and support didn't want to help and said my funds may be available after 180 days even though venmo has already granted me permission to withdraw my funds and It is also well after the 180 day timeframe from when my account was restricted. I want to know what is going on, why is it so hard to withdraw the funds that I was already allowed to withdraw?
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX XXXX, I'm filing a complaint with your office. I need assistance with a bad faith policy issue by Comenity bank. This bank handles Big Lots Credit Card. I would like my XXXX returned to me. 

I set up my first payment ( XXXX ) up with my bill pay, through my bank XXXX XXXX. I accidentally filled out the name as well as the address wrong. 

I wrote the check to Big Lots not Comenity bank. As well as I put the wrong po box . I checked to see if payment was processed a few weeks later. It was not. I felt like something was wrong. I called the XXXX number. The representative said they would transfer me to a XXXX. She did not. Instead she transferred me to a person named XXXX who said he was a representing of the bank. I let him know what I think went wrong with my payment. He said the bank does not reverse any late charges. He offered me XXXX the fee back. I was perplexed as to why only XXXX, but moved on. 

XXXX told me the bank would find it and cash it. All I could think about was someone finding, and washing the check. I expressed this concern with the representative XXXX. He showed no concern, but sticking firm that its ok to just leave the check out there floating around. I let him know that I will write a new one, with all the correct information. He said dont worry about it, this wont affect your terms. I called my bank and let them know what is transpiring. The senior account representative from XXXX XXXX stated that this was terrible advise by XXXX. To just wait and see what happens, if the check is stole or maybe makes it to them some weird way. This could turn criminal if someone else gets hold of the check. 

The representative from my bank told me there was NO return check only the stop payment. So no one else with bad intentions got a hold of it. I put a stop payment on it per advise of my bank. It was making me feel so uneasy until it went through. I called back and talked to a XXXX. I explained the entire situation to her. She first, told me comenity bank does not have managers, just account representatives. She would have someone look into it.

I will provide : 1.Transaction Statement from Big lots claiming there is a return check fee. Even though there is No proof and my bank claims there is no returned check. 2.The address on my statement wh
ere to mail the check. Comenity-Biglots XXXX XXXX XXXX XXXX I actually mailed it Big Lots not Comenity Bank with XXXX XXXX XXXX not XXXX XXXX XXXX ( forgot the XXXX ) XXXX. The actual bill pay. It shows the wrong name. It also shows the stop payment. The Bank does not have the return Since it Never was returned like big lots claims.

5. The conversation with Comenity bank. Shows just a lack of companionability, and how Im just beating my head ageist the wall to deal with them.

The bank refused to do ANYTHING. Instead added a XXXX service fee on my account. They even went a step farther and suspended my account for 3 months. 

XXXX. 
XXXX XXXX XXXX