davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AutoNation Enterprises Incorporated (WA)

I went into auto nation during their preapproval promotion as I was preapproved through my bank. I had test driven a car with one of the salesman started doing the credit application and everything. Upon me doing the application, the sales team told me they moved my car that I was interested in to their sister property and if I wanted the car I would have needed to pay the transferring fee. They never let me know that the car was in the process or being processed to transfer. They later offered me a newer car with lesser miles. It wasnt the one that I wanted but the car was not ready. I started insurance on the day that I signed paperwork and I still didnt even have the car in my possession. I canceled my contract with them within the granite timeframe, and they said that they would be refunding me my down payment. I later received a denial letter from the dealership and not my money. This has affected my credit tremendously due to the hard inquiries.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

I made a domestic wire transfer in the amount of {$10000.00} USD to a business associate bank. My bank Wells Fargo to his bank XXXX  XXXX XXXX. My wire was show initiated and completed on my end on XX/XX/year>. On XX/XX/year> my business associated told me the wire transfer never arrived. I issued a XXXX XXXX through Wells Fargo to find out what happened to it. Wells Fargo told me it would take 10 business days to complete the trance and investigation. During that time I received XXXX communication or updates from WF. After the XXXX business days was completed I have to continually call WF for updates and they continued to be confused about what I was asking for or why I was calling. Wells Fargo continued to transfer me on the phone to about 6 different departments where I had to explain the entire situation again and again. After pushing for me they finally put me in touch with a customer advocacy department who told me they would start a complaint case. They told me they would reach out to me in XXXX business days, it has passed that and still no communication. I finally threatened legal action and they put me in contact with their executive office. The executive office told me the case was still being investigated but told me " Its out of our hands ''. Wells Fargo is not actively trying to communicate with XXXX  XXXX XXXX to resolve the issue. I have communicated with my business partner actively throughout to have them try and resolve it on their end without success. Wells Fargo and XXXX XXXXXXXX XXXX are not communicating with each other and now my {$10000.00} is missing somewhere.
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Called in about my items on my credit report not showing on report and asked why are they not showing. I also asked the rep to help me and they hung up. This is the XXXX time calling in about this. Im not getting no help as I have asked and Im paying them for membership {$40.00} a month. All the reps or foreigners and in a call center with noises in the back. And not here to help us! 
Then after they hung up they always send emails as if the problem was solved and its not, directing you to the website.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I was informed that my account was closed due to Citibank 's decision. Consequently, my online banking access was also terminated. However, upon speaking with a representative recently, I was told that my account is still not closed and is currently under investigation. 

I am puzzled as to why this investigation is taking over a month, especially since the funds were cleared immediately. Additionally, I was told that once the investigation is concluded, it would take another 30-60 days to close the account. This does not seem fair, as I have already been without access to my funds for over 45 days. Could you please provide clarity on this matter and expedite the resolution process? 

-- - Let me know if there are any other details you'd like to include.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: GOLDMAN SACHS BANK USA (FL)

Someone has used my information to create a fraudulent account with Goldman Sachs under my name and business. I would like this account to be removed as soon as possible. Please contact me at XXXX or XXXX XXXX XXXX, XXXX, PA XXXX.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a complaint about my Bank of America credit card ending in XXXX. On XX/XX/XXXX, I was involved in a XXXX XXXX that required me to be XXXX XXXX XXXX XXXX. This unfortunate event significantly disrupted my life. Thankfully, I survived and am now working hard to get back on my feet. 

On XX/XX/XXXX, I contacted Bank of America to inquire about my due dates and was informed that I had until XX/XX/XXXX to make a payment. Due to my physical condition and Bank of Americas policy of not accepting cash deposits through third parties, I was unable to send someone to deposit funds into my checking account on my behalf. 

I proceeded to deposit funds this week on Monday and attempted to make a payment through the Bank of America app, only to find that my account had been closed. This was contrary to the information I had been provided earlier. 

I have since paid the overdue balance to bring my account up to date. However, I was informed by Bank of America that they can not do anything to reopen the account, despite the assurance I received on XX/XX/XXXX that I had until XX/XX/XXXX to make the payment. 

I am requesting that my account be reopened and updated accordingly, as I received conflicting information from Bank of America representatives. I believe this situation warrants further investigation and resolution to prevent such issues from occurring in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I was a victim of identity theft. The money for {$2000.00} was taken from my checking account as an ACH transfer on XX/XX/scrub>/24. I tried to stop the transaction but could not. Then money for {$3000.00} was taken from my checking account again on XX/XX/year>24. Again I tried to stop the transaction but could not. After several phone calls to Cash App, they denied my request. They determined that the transactions were authorized by me. Which was not the case. Who ever took my identity, got into my Cash App account and processed the XXXX transactions. I can no longer get into my Cash App account because my information was changed by whoever stole my identity. Cash App, did send a summary of the transactions to me. 
I have been working with XXXX XXXX to resolve this issue. We requested that they reopen my case today. But this afternoon Cash App responded and said the request has been closed. This was on their Case number XXXX.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX PHONE : ( XXXX ) XXXX FAX : ( XXXX ) XXXX WEBSITE : www.stillmanlaw.com Stillman Law Office is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX, XXXX. 

You had a XXXX XXXX XXXX XXXX. 
As of XX/XX/XXXX, you owed : Between XX/XX/XXXX and today : You were charged this amount in interest : You were charged this amount in fees : You paid or were credited this amount toward the debt : Total amount of the debt now : {$3000.00} I received a letter from Stillman law office and they are stating I owe a balance through XXXX XXXX. Ive never open a XXXXXXXX XXXX card after my bankruptcy. I filed for bankruptcy end of XXXX beginning of XXXX so when this card was open I was unable to establish any kind of credit because of my bankruptcy. I do not own a XXXX XXXX or XXXX Recently I have been to court 4 times for XXXX and that fraudulent case was dismissed and I won the case. Please let me know what else is needed. I confirm this account is not mines and I did not open this account.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (FL)

My account with CB INDIGO 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 those account 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. 

CB INDIGO 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (FL)

My account with SANTANDER 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 those account 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. 

SANTANDER 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reached out to the credit bureaus to dispute department of education/XXXX account that has been transferred or sold. This account no longer belongs to me and should be removed from my credit reports with TransUnion and XXXX who continues to report on account that is no longer belongs to me.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC (CA)

There is an account listed on my credit report that is said to be opened with Speedy Cash in XXXX of XXXX  I have not had any interaction with this company. This may be an account from over 10 years ago. That should no longer be eligible for report on my credit report. It is showing as the being sold to another company. I have disputed this with several credit bureau 's and have not gotten access to the original contract. Or the first date of delinquency. The information being reported to credit bureau 's is inaccurate and should be removed.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 


SEE ATT. FOR ID Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER XXXX XXXXXX/XX/XXXX inaccurate reporting XXXX XXXX XXXX and XXXX XXXX a financial institution by definition under that title. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 


Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services unless authorized by consumer ( me ) in writing " According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Inc. (CA)

The amount taken from Me is XXXX $ and its for emergency hospital for my father inlaw they didnt get it now hes dead, the date i sent it was XXXX XX/XX/year>,,,, i sent XXXX $