davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

I financed my car through Exeter that I got from XXXX. And I been paying my note on time with some late payments. I recently went on my Exeter account and seen my APR was an outstanding balance. They told me it will take 72 payments to pay off. But I recently went to my account and seen how much my principal fee is. But I paid so much money, and they only took a grand off. It's been over a year since I had my car. I looked at the reviews and I am not the only person with this problem. My car total is only XXXX. I put XXXX down. And I already paid XXXX. My XXXX XXXX XXXXXXXX XXXX is only worth no more thaXXXX XXXX XXXX and I also calculated how much they are charging me, Which is XXXX x 12 months x 6 years = XXXX.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica (WA)

I had a Direct Express, Social Security Survivor Benifits deposit pending for the XXXX of XXXX. 
Deposits are in after XXXX XXXX time the night before and fully accessible after that time. 
Funds were not available, since then, for the {$1400.00} that is my regular scheduled deposit. 
Normally I call their number and put in the last 4 numbers on my card, then next step, my 4 digit password. Then it tells my Deposit, Balance, Transactions and such. 
Now it asks for my last 4 numbers on my card. Then to activate, check balance or transactions, tp please enter the full account number. Then as it thanks me for my patients, the longest was almost 4 hours with scratchy elevator music. 
My Son is a Senior Vice President for XXXXXXXX XXXX in charge of Database. He says that Comerica Bank- Direct Express , experienced a Data Breech and is ghosting everybody to prevent a run on the bank. I received a letter yesterday saying to either call the number to discuss this or if there is no problem, the card will be activated on its own.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AZ)

I have been a Nordstrom customer for years. I recently made a purchase and when I tried to pay the balance, I continually received a message that I can't " pay a nordstrom debit card online ''. I don't have a Nordstrom debit card. I never have. They charged me a late fee and were rude when I called. I never got an answer. This is a scam. Not allowing a payment and then charging a fee is fraud.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

Hello, I have reached out the the 3 creditors in this matter, XXXX XXXX, Apple Card XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-24
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: DISCOVER BANK (GA)

Apparently, there were charges made on the Discover card in the amount of {$900.00} and above to XXXX we have disputed these charges with the Discover card and now these same charges have been placed back onto the Discover account. Apparently, the card owner was not contacted about these charges being placed back on the Discover card. There is so much fraud going on with XXXX and people getting people information and using it and your company making the customer pay.
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (FL)

In the initial purchase of our new home at XXXX XXXX we were flooded with documents that needed to be signed. One of those was with Pulte Mortgage. Later it was disclosed that we had the option not to use them for our mortgage. As a consumer, I could have paused the process and asked more questions but instead I paid the required fees for the mortgage application and a future appraisal of the home to keep the process moving forward. It was explained that if we did not use their mortgage company that the appraisal fee would be returned to us. I believe that their statements were misleading and deceptive since we were not given the opportunity once closing date was announced to opt out of using them for our mortgage. Pulte Mortgage also claims they ordered an appraisal 3 days prior to us being notified of the closing date. However, the appraisal itself is dated many days after our notification to them that we would not be using their services. Another way that Pulte Mortgage conducting deceptive business practices is by requiring us to acknowledge higher and higher mortgage rates via esign docs in XXXX. Yet as rates came back down not one document was sent to adjust to a lower rate. Again, to a consumer this is a misleading and deceptive practice on their part. I also wonder why Pulte Mortgage requires the appraisal BEFORE the building of the home. Most mortgage companies recoup that fee at the closing because the appraisal is requested at the COMPLITION of the building process. I wonder if this is not the 1st time Pulte Mortgage has pulled this stunt.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 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
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX I was XXXX  and XXXX. Besides my wallet containing my I.D, XXXX, XXXX card and money my IPhone was stolen and XXXX ID compromised. The robbers has access to all my personal files including my social security number, dob, financial files, etc. This is how they were able to transfer money from my bank account to XXXX XXXX and open and access a variety of loans and credit cards. Ive contacted Affirm to XXXX and theyve neglected to close the fraudulent account and impeded the fraudulent transactions. They have failed to contact the XXXX XXXX. Because of them my credit score dropped. When I initially contacted them the charges were {$420.00}. I have two detectives from the New York XXXX XXXX that can verify the incident from surveillance. Detective XXXX and XXXX XXXX. My complaint number is XXXX XXXX XXXX XXXX. FTC complaint number is XXXX. Please assist me with closing the account and reporting these fraudulent activities. I never authorized XXXX  charges on XX/XX/XXXX. Thank you.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (GA)

I applied for a US Bank and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2023-06-17
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. (NC)

According to the FCRA this company XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are XXXX XXXX XXXX  as of XXXX LVNV as of XXXX. XXXX XXXX XXXX  as of XX/XX/
Consumer complaint received 2023-10-12
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: FC HoldCo LLC (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I always verify my account info as i dont trust this firm as had problems prior when I filed a complaint against XXXX XXXX 

I called the number on the card XXXX at XXXX hours and went thru the promps... .says I do not have an account, this is news to me. 

Then i was put on hold to find out why I do not have an account anymore. 

Never got thru after hold time of over 30 minus, what is going on over there?
Consumer complaint received 2023-12-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (FL)

U.S. autos they sold me a bad car promise to fix the car never did auto repair shop notified me that U.S. auto refuse to pay service because they went bankrupt. They repossessed the car from home and refused my calls emails and charged XXXX to my credit I only had the truck 3 days before it broke down they promised to fix it or give me another car they they shut down went bankruptcy
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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. (UT)

I've attempted to cancel a subscription service, and believed I had done so. I did not update any payment information with this service, and the payment information they had should not have been valid. They renewed my subscription against my wishes and I have filed a report with the ftc. They somehow charged my card despite not having current payment information. When I saw the charge I immediately disputed it with citi bank, but months later was told there was nothing they could do and was charged regardless.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (TX)

Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/ Date that I discovered it : XXXX Total fraudulent amount : {$3000.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
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. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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
Consumer complaint received 2023-07-08
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-26
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. (MO)

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus XXXX Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing. 

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly. 

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report. 

Confirmation, in writing, once the charge-off has been successfully removed. 

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly XXXX compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JTM Capital Management, LLC (CA)

XXXX XXXX sold an account under my name to JTM Capital. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. XXXX XXXX claims that JTM Capital is reporting on my credit but under the wrong creditor name of XXXX XXXX  and not JTM Capital. I did not even know initially that JTM Capital bought the account. Please see attached letter from XXXX XXXX detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.
Consumer complaint received 2023-04-28
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. (AR)

This is my another request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please delete the noteworthy of any information in my credit record that came about due to an alleged fraud. Please delete the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX XXXX Owed : {$4400.00}.
Consumer complaint received 2023-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I was scammed by XXXXXXXX XXXX and someone took {$200.00} out of my account and chase refused to accomendate stating they have no protection to help with this even though I did not authorized. Even by them allowing this it looks supicious but the still allowed it. Also Normally if you send someone funds there name comes up to say you sent this person funds. Chase did not notify me that a supicious transaction is happening. I called them the day of cryind distraut all and they stated nothing can be done because I thought it was someone I knew.
Consumer complaint received 2023-12-26
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: AMERICAN EXPRESS COMPANY (FL)

A merhchant named XXXX billed me on XXXX XXXX, 2023 for XXXX for a charge that I do not recogonzie. I asked AMEX to check-in with the Merchant ( which does not have a phone number or reply to emails ) to provide evidence that I authorized these charges. AMEX has not been able to provide any evidence that I authorized these charges but are re-billing me. In fact, on XXXX day ( today ), AMEX sent me documents that do not provide my name, address, phone number, or email address to allege that I authorize these charges. The documents show somebody else 's name, email address, and address so that is proof that I DID NOT AUTHORIZE THESE CHARGES. AMEX is discriminating against me as a minority by falsely re-billing me and CFPB should fine AMEX for this.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX is trying to charge me to view my credit report and i am aware that that is illegal as well