davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

Since XX/XX/XXXX last night of XXXX Westlake financial has been charging me an interest rate of 24.49 %. this is illegal in the state of Florida it's illegal to charge annually over 18 %. So they have been overcharging me 6.49 % interest rate for a year now. I told him I refuse to pay them any more payments until they fix the issue because they're saying I'm late on payments when in all actuality the law states if a finance company overcharges the customer they are required to pay back the interest charges and they forfeit any future interest charges the customer me is only required to pay the principal loan amount. The reporting that my payments are late my next two payments or last two payments are not late because they owe me money as of right now they can apply the money that they overcharged me and interest to the two payments apply to my loan I'm not giving them more money when they're illegally overcharging me and it seems like they're getting away with it
Consumer complaint received 2023-08-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (OK)

I was told all I had to pay was {$20.00} to get my snow cone ice maker and I paid the {$20.00} up front and they were supposed to send it straight to me within that week I never received it now they're trying to charge me {$190.00} XXXX and I don't understand why I need to pay that if I never received the item the company name is XXXX
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (NC)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

American express has a promotion where you can get XXXX XXXX back from a booking, up to XXXX XXXX This booking needs to be made at a AMEX XXXX site, and has to be paid fully up front ( not at the hotel when checking in ). I had a trip to California, and had to stay at a hotel for 10 days, and I used this promotion. I went to the AMEX XXXXXXXX site, and I purchased the stay which totaled more than {$1000.00}. When I did not see the promotional offer, the rep I spoke to recommended I wait. If he had told me then that it was done incorrectly, I could have cancelled the booking. 
After staying in the hotel I noticed I still did not recieve the award. I inquired about this to AMEX XXXX, and they responded saying it was not made at the AMEX XXXX site. 
However, I have obtained this promotion in a previous hotel stay and I was well aware of the requirements. Therefore, I made sure it was the accurate site. 
AMEX XXXX then refused to appeal the decision. After some back and forth, they agreed to let me upload my browser history, which shows me booking at the correct AMEX XXXX site. 
After several days passed, I inquired about the case and it seems AMEX had no history of it, and i had to re upload the same document again. 

I am asking the CFPB to look into this, since AMEX is not complying with the terms of their advertisment.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting INCOME on my credit report as an alleged DEBT. Since this alleged debt was written off as income, I should have received copy B of the 1099-C the company filed. I did not receive copy B.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Thursday, XX/XX/XXXX, I made a digit error and charged {$47000.00} instead of {$470.00}. I have XXXX, and although these occurrences are becoming rarer, they can still happen to me. I promptly contacted Bank of America Merchant Services to rectify the error, and they instructed me to process a refund. Despite complying, I was still charged {$1600.00}. During my numerous attempts to resolve this, well over ten calls were made to their customer service. Despite confirming the refund 's effectiveness and no corresponding deposit into my account, they adamantly refused to provide any written notice regarding this issue. 

Subsequently, on XX/XX/XXXX, I received a call stating that " their colleagues '' at Bank of America had decided to refund us {$420.00} as if it were a favor. This amount greatly differs from the {$1600.00} charged earlier, leaving us perplexed. I emphasized my confusion over being charged a fee for money I never received and requested a written notification via email, to which they claimed inability to provide. 

As a nonprofit, this financial discrepancy significantly impacts our operations. While acknowledging my initial mistake, I promptly contacted Bank of America Merchant Services within a short time frame ( less than 15 minutes ), followed their instructions, yet was still charged erroneously. Therefore, our organization is earnestly requesting a detailed written explanation or a complete refund to rectify this situation promptly.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with XXXX 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 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 my 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. 


XXXX 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
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I called to speak to a Wells Fargo associate about the dates and times about my transaction posting at first they told me that my check posted then it was pending, and then it posted itself again after I had paid my rent, paid rent and money out of the ATM before I transfer {$71.00} and change to my bank account Theyre telling me that the money was credited to my account before I had the chance to physically make the transaction which is impossible. What sense does it make to credit a transaction without even knowing that there would be a transaction in the first place? clarification on this and I eventually got a manager on the phone or somebody claiming to be the manager at the California center. She was basically trying to trick me into reverting what I was saying, but I still never received my {$71.00} and some change from this company and I clarified it with XXXX XXXX  that I had sent it over and paid for it to be sent immediately. Wells Fargo did not make it immediately available. They pinned the transaction until today which is Sunday XXXX days later than when the actual transaction was made and they snuck it from a pending status to a posted status and still did not give me a balance for my money, the manager just simply told me whatever I needed to hear to feel better about the situation in order to get off the phone instead of solving this issue for me I also would like to add that I made an instant Transfer from my XXXX XXXX to my account today and it was made available immediately so theyre choosing to do this with me based upon their own discretion
Consumer complaint received 2023-08-27
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: Experian Information Solutions Inc. (IL)

XXXX XXXX  ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.
Consumer complaint received 2024-02-01
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: EQUIFAX, INC. (NY)

I submitted a complaint about the communication to XXXX XXXX about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX. 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

As of XXXX XXXX. It had been brought to my attention that someone had not only pulled my credit with a company called XXXX XXXX they also have opened a fraudulent account that I have not authorized that was opened on XXXX XXXX. I did not give any permission for an account to be opened under my name this is so stressful and scary. The account name is XXXX XXXX and it was opened on XXXX XXXX
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank locked me out of my account and refused to make immediate availability of funds under the REG CC expedited funds availability act upon my deposit of a check in the amount of {$10000.00} into my small business checking account. They placed an extended maximum hold and froze my account, locked me out of online and mobile Bank app, refused to give me any information, reason or any information on my account or access to my funds. 

This despite the issueing draw bank verification of check and funds
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I've raised disputes regarding a particular account with Equifax multiple times over the past XXXX XXXX months. However, after each purported " investigation, '' the outcome consistently asserts the accuracy of the reported information. It is imperative to emphasize that Equifax bears the responsibility of exclusively reporting precise and truthful information. Attached to this formal complaint are supporting documents tor verification. It is truly unreasonable for me, as a consumer, to invest my time in rectifying errors made by one company through the intervention of another.So, I do want to thank CFPB for their time and dedication to holding company 's like Equifax accountable for their actions.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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: EQUIFAX, INC. (NJ)

I am reaching out to revisit the matter of a dispute I previously lodged concerning the unidentified and unverified negative accounts reflected on my credit report. Despite numerous requests for their removal, these accounts persist on my credit file, adversely impacting my creditworthiness.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CO)

I called my mortgage provider XXXX to enquire about a HELOC loan on my equity He asked to pull my Equifax credit report. I asked if it would affect my credit he said No. 
So I said OK I did not like their terms so hung up. 

I no sooner hung up when my phone was blowing up with unknown callers when I answered they stated they were loan officers for various companies and the got my number from an Equifax report. 
I have had over 200 calls in 1 and 1/2 days. I will have to go to XXXX and have my phone number replaced due to this
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX has not reporting my XXXX loan balance. My XXXX  loans were cancelled recently, however, XXXX has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. XXXX did not report it since XX/XX/year>.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint is stating that we are 3 months behind and that our payments were returned, I have proof that the money was withdrawn from our bk account, they reported to our credit reports the we are currently 3 months behind, I was behind in XXXX and had made payment arrangements and was told that it would not impact our credit but the did
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION (DC)

I would like to have these inquiries deleted. I did not authorize this, and this is a fraudulent issue. I didn't authorize these companies to run my credit, nor did I authorize anyone else to apply for any credit from these companies. In the last 2 years I've received mail from 3 companies stating that my information was involved in a Data Breach and all my information including my SSN and BD was a part of the Data Breach and for the last 2 years I've been seeing unauthorized inquiries on my credit report, and I would like to request for all to be removed.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.