davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CA)

CARMAX AUTO FINANCE is currently in possession of a certificate of indebtedness for the value of {$30000.00} from XX/XX/XXXX bearing my Principal. They have since received multiple notices from me accepting and claiming all rights, titles, interest, and guaranteed equity due to my Principal while also opting out of their authorization to share any of my nonpublic personal information with any persons. The company has ignored instructions from the Agent to transfer all certificates of indebtedness and marketable securities bearing the Principal from their commercial entry system to the Treasury Direct Account of my Principal. They are also still sharing alleged transaction and experience information between us with XXXX after receiving my notice to opt out of all authorizations and permissions previously given to the company written, unwritten, verbally, or unverbally to share my information. They are in direct violation of the Privacy Act of 1974, in addition to withholding access to my securities actively engaging in securities fraud, while remaining willfully noncompliant in their obligation to honorably perform fiduciary duty.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2020 my rental car was broken into & my personal belongings were stolen along with purse. In my purse was my social security card, my veteran ID, my drivers license, & my passport. 

Accounts were opened in my name in XXXX  that I did not authorize & now its reflective on my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (PA)

As of XX/XX/year>, my account with XXXX XXXX XXXX for furniture purchased via XXXX XXXX XXXX, was sold to XXXX XXXXXXXX XXXX, and to be serviced going forward by Concora Credit. My last payment with XXXX XXXX XXXX was made in XX/XX/year>. As a result of the 'Transfer ' of the XXXX XXXX XXXX account and their reporting of the account as 'Closed ', my credit score dropped significantly with all 3 bureaus ( >/= XXXX points between the 3 bureaus ). I contacted XXXX and XXXX in the latter part of XXXX and opened a dispute, respectively, to have the XXXX XXXXXXXX XXXX account updated to reflect 'Transferred ' instead of 'Closed ' ; In addition, I provided both bureaus with my Concora Account Number, as well as Concora 's contact information ( website address and business phone number ), to further assist the bureaus in confirming that the XXXX XXXXXXXX XXXX account was not 'Closed ' but 'Sold/Transferred " to a new lender/debt holder and my credit report to be updated to reflect the Concora account, all in the hopes I would recoup some, if not all, of the points to my credit score. Upon completion of the dispute investigation, both XXXX and XXXX informed me that XXXX XXXX XXXX confirmed the account was 'Transferred ', but are still reporting the account as 'Closed ' and that once Concora begins to report the account to the credit bureaus, it would be reflected as a 'New ' account, and would result in even further reduction to my credit score, as any 'New ' credit is assessed as a part of my overall credit profile and usage. I have no late payments and take great care with respect to my credit profile, as I have experienced a decline in my score and delinquency in my tradelines due to instability in employment in previous years. The recovery process has been long and difficult. I do not find it acceptable to be penalized and my score reduced ( significantly enough to remove from the category of 'Good ' to 'Fair ' credit ), due to the transfer of debt, a situation not within my control. For all intents and purposes, the debt is still the same and should be viewed as the same debt, regardless of transfer to a new debt holder/sevicer. In a credit score driven world, as it relates to financing or the extension of credit on any level, it is of the utmost importance consumers are not penalized for the policies/protocols of the reporting agencies, how they interpret information and subsequently reflect said information.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

I had signed up for a 1.99 % rate sometime last year. Received my statement/bill/summary yesterday and noticed the dollar amount of interest had gone way up. Called CITI and was told by agent that I was informed on my XX/XX/XXXX statement page 3. No it was page 4. One line among pages of lines. Offer XXXX promotional APR ended XX/XX/23. Nothing other than that. No email or text or letter saying that your promotional rate was ending. 
They make it so inconspicuous that unless you read all pages line by line they hope you will not see it. The rate went from 1.99 % to 21.9 %. 
I paid off the balance.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

I was mailed a check this past XXXX from Wells Fargo Remediation regarding a car loan back in XXXX of XXXX. The letter was very vague and they identified that they had issues applying my payment. Those issues contributed to repossessing my vehicle in XXXX of XXXX. They state as a result interest and/or fees were incorrectly assessed. They enclosed a check for {$7400.00}. I took it upon myself to look more into this and I am completely speechless to what they did to me and hundreds of other customers. I am ( XXXX  ) of XXXX customers that were " scammed '' and had my car basically stolen from Wells Fargo. 
I then realized that WF admitted to signing up customers for insurance even if they already obtained on their own. They only have spoken to me about the ( 1 ) repossession in XXXX BUT they also repossessed my vehicle in XXXX of XXXX. My husband and myself had to gather up the money to get it back the first time. I remember that I was upset cause I was only 2 weeks late on my payment. Fast forward to XXXX and it was taken again and at that point my husband and myself were not able to get it back. No real reason was given to me on any of it. It was such an emotional and financially draining event. I never even received a final letter on what happened to my car after it was auctioned off. I have been speaking to Wells Fargo since XX/XX/XXXX of this year as I wrote them and asked to go into mediation regarding this because I want answers and quite honestly they have not made this right. They purchased an insurance policy from XXXX of XXXX - XXXX. I had my own insurance and my car was repossessed twice in that time frame! The entire situation caused me to have bad credit with a repossession on my record. I struggled for years to get another car because it would require much money down and lets not fail to mention the shame and just financial " RUIN '' it did to me. I married ( my first and only marriage ) in XXXX of XXXX. I got denied for home loans and I am sorry they need to make this right! I have every record of having the proper insurance on that vehicle. I also have the information to what happened to my vehicle after they took it in XXXX XXXX. They sold it in 5 days and the state of Texas requires 10 day ( ILLEGAL ). I also have all the info of large deposit on the car the day I bought the vehicle at dealership. What they did is a fraud and scam. My mediator " XXXX '' has not mediated with me but has had me call other departments that get me no where. I am asking for assistance from you all please. These last 30 days having to go back to such a traumatic experience is weighing on me. PLEASE HELP
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to Jefferson Capital Systems and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to a collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.
Consumer complaint received 2024-02-02
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: T.S. Holdings (TX)

Last year there was an account added to my credit report from IQ Data International. I have never done business what this company and dont have any debt with them. I called them directly multiple times in XX/XX/2023 at XXXX XXXX to inquire about the account they put on my credit. They refused to send me any information regarding the so called balance I owe. They could not give me a ledger, invoice or anything showing I owe them a balance. The representative was very rude and told me I would have to pay anyway even if they didnt send me proof. I then disputed the claim with XXXX. They did absolutely nothing. I called XXXX in XX/XX/2023 directly and the representative told me anyone can put a debt in your name and there nothing they can do about it. There is no justice!! I have multiple account I tried to get help with but XXXX does nothing to investigate or atleast send documentation supporting items remaining after a dispute
Consumer complaint received 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WASHINGTON FEDERAL BANK (WA)

I previously sent this information to the FDIC on XXXX, and intended to supplement it with email documentation of the aforementioned 10 minute phone call in which I expressly told her ( XXXX XXXX ) the choices for my new CDs that were to be funded from the maturing CDs. 
I also have my notes of that phone call of XX/XX/year>, and I can make a photocopy of them and provide them to investigators. The interest rates she quoted were several, and I selected the 7 month period at 4.26 % ( 4.35 % APY ). 
There was no means to add this supplemental information to the original FDIC complaint other than by USPS mail. 

The next day after I filed the complaint with the FDIC I got an email informing me they transferred the complaint to the FFEIC, so the next day I went to call the FFEIC to ask where to send this supplemental information, but found that they had transferred the complaint to the CFPB, and the CFPB has already submitted the complaint to the Washington Federal Bank. 

I called the CFPB and spoke with XXXX, who couldn't confirm that I can add supplemental information to the original complaint that was sent to the bank. 

Therefore I'm submitting this separate complaint to the CFPB so it can be used in conjunction with the original complaint numbered XXXX. 

I reviewed the CFPB complaint that was sent to Washington XXXX. It states or implies that I did NOT contact the company ( Washington Federal ) concerning this matter. I most certainly did contact them on XX/XX/XXXX, in person with XXXX, and demanded full restoration of the interest that is owed. I also made additional contacts until it became clear the only fair resolution could be through a government agency that has authority over Washington Federal.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (NC)

In a brazen violation of UDAAP, which Goldman Sachs believes theyre exempt from complying with that law because they think they can just bribe the right people in the government, Goldman Sachs offered prominently an option to cancel a scheduled - but not processed - payment - with XXXX explanation this was really Goldman Sachs conspiracy to then use this as a hollow excuse to never then again honor payments from those of the wrong race and religion. Cancelling a scheduled payment- when advertised to be able to do so by the bank - is in no way delinquent conduct. However, illiterate and incompetent Goldman Sachs employees then have the audacity to then allege that it is and that my check can actually bounce after two weeks ( Goldman Sachs truly needs to give their employees a literacy test )
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (DE)

Complaint about Citibank Credit Card On XX/XX/XXXX a credit card ( XXXX  ) and money were taken from my wallet while I was playing tennis at the XXXX XXXX XXXX in XXXX DE. Charges were attempted with my XXXX card at a local gas station. I received a fraud alert from XXXX and the card was cancelled. 
My Citibank card was also in my wallet, and a purchase was attempted at the XXXX XXXX # XXXX in XXXX DE with my Citibank credit card. An email was sent to me at approximately XXXX XXXX  on XX/XX/XXXX, while I was still at the country club playing tennis. I received an email that the charge was declined on XX/XX/XXXX. I called Citibank as soon as I became aware of the fraudulent charge. This was done on XX/XX/XXXX at approx XXXX XXXX.. The Citibank card was still in my wallet, though suspect that it was compromised, given the theft of the XXXX XXXX and money from the same wallet. There was also a piece of black cloth, resembling a piece of stocking left in my purse after the theft. I also filed a police report with the XXXX XXXX XXXX Police department. complaint number XXXX. 
Citibank has posted the charge for {$2300.00} to my card for this fraudulent charge. Stating that I had shopped at that same XXXX XXXX in the past. 
I ask that the charge be removed from my card.
Consumer complaint received 2024-02-02
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: HYUNDAI CAPITAL AMERICA (NJ)

I am requesting My payment history to be deleted from all 3 credit XXXX, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XXXX  2023.  I Lost my Dearest grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (MD)

Email sent, XX/XX/XXXX, XXXX {$2100.00}, email and phone calls. Account Number XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Current Balance- {$2100.00} According to the Federal law Fair Credit Reporting 15 U.S Code 1681s-2. If a person knows, believes, and or has a reasonable cause to believe that the information is inaccurate. Consumer agencies are not able to report any information relating to a consumer. The above account is inaccurate, with different account numbers, and different credit companies, and permission was not given 15 U.S Code 1681b. All companies in their agreement agreed to follow the law and agreed to do so 15 U.S Code 1681n.
Consumer complaint received 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2024 at approximately XXXX XXXX, I attempted to open a Certificate of Deposit electronically via the Goldman Sachs " Marcus '' portal. After providing my name, date of birth, Social Security number, home address, telephone number, and country of citizenship, I was notified that additional information was needed and had to call their customer service number using the application ID XXXX. After calling customer service and being transferred to multiple departments and repeatedly providing the same information, I was told that my application was declined because they could not confirm my identity. After inquiring as to the reason for this since I had provided my Social Security number and date of birth, they would not disclose their reasoning and instead threatened to hang up on me. The Goldman Sachs employee who refused to explain what the problem was named XXXX and would not disclose her last name ; she did not offer any alternative solution to this problem that I could undertake to rectify this situation. She was rude, dismissive, and combative. I have never felt so belittled.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DO NOT ACKNOWLEDGE THESE INQUIRIES : XXXXXXXX XXXX XXXX  I DO NOT RECOGNIZE THIS ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX  Account Number XXXX
Consumer complaint received 2023-08-23
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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