davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unfair and deceptive practices in a recent vehicle purchase transaction. The details of the incident are as follows : On XX/XX/XXXX, I applied for financing for a XXXX XXXX XXXX. On XX/XX/XXXX, i was approved for financing with Global Lending Services. I visited XXXX XXXX XXXX to purchase the vehicle. After negotiations, we agreed upon terms for financing, including a down payment of {$3000.00}. Subsequently, I provided all necessary documentation and was approved for financing with these terms. 

However, upon further communication with the dealership, they informed me that the financing terms had changed. They claimed that there were inaccuracies in the information provided during the application process and attempted to require a higher down payment of {$9000.00}. Despite providing evidence to support the accuracy of the information initially provided, the dealership was unwilling to honor the agreed-upon terms. 

Furthermore, when I expressed my intention to escalate the matter to the manager or owner for resolution, the dealership was uncooperative and failed to provide their contact information. This lack of accountability and transparency only exacerbated the situation. 

As a result of XXXX XXXX XXXX ' actions, I have experienced financial harm and undue stress. Their failure to honor the agreed-upon terms, coupled with their lack of transparency and professionalism, constitutes unfair and deceptive practices in violation of consumer protection laws, including the Truth in Lending Act ( TILA ). 

I am seeking the following resolution to this matter : XXXX. Honoring the original financing terms agreed upon, including the {$3000.00} down payment. 
XXXX. Adequate compensation for any financial losses incurred as a result of XXXX XXXX XXXX ' actions. 
XXXX. Enforcement of appropriate penalties against XXXX XXXX XXXX for their unfair and deceptive practices. 

I appreciate your attention to this matter and request a thorough investigation into the conduct of XXXX XXXX XXXX. Please feel free to contact me if you require any further information or documentation regarding this complaint.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX I HAVE Nothing to do with this account and I request for it to be removed and my credit score fixed and updated. 

Account number XXXX Amount {$1800.00}
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Hello CFPB and/or Citi Team XXXX I am writing to formally lodge a complaint against Citibank regarding their IT system that is predatory either by design or by malicious negligence. To the point that I am compelled to bring these matters to your attention in hope of prompt resolution of their ongoing online services. 

Despite my numerous attempts to address these issues through your customer service channels, the problems persist, causing inconvenience and frustration. Either by phone and/or in-person, Citi is not willing to link a business credit card to an already existing business and/or personal account. 

As trivial as it may sound, by forcing the consumer to register for new and seperate Citi online logins can only be a result of a premeditated decision to intentionally done to harm the consumer. 

I already have several ( 3 ) online accounts for Citi Business, Citi Costco Business and Citi Personal accounts. This would be a fourth seperate and unique login which is entirely unacceptable. 

Today, while on the phone, I was transferred to no less than 5 persons. Each telling me something different. A Citi associate said this could be possible, but I would have to be transferred to another team to settle it. Then the new Citi associate said it was not possible and that I could link it to my personal account. I was even told that I would register for a new and seperate Citi system altogether. 

It is worth noting that as a relatively successful small business owner I was at one time a Citigold Private Client. I only transferred out my capital b/c Citi 's interest rate was no longer competitive with the market.

Although it may seem frivolous on insignificant, these are harmful and consequential procedures which can only be done by design or by malicious negligence.

In light of the issues, I do not want to just formally complain, I propose the following actions to be done : 1. Link my Citi business credit card to either my Citi personal login ( preferred ) or my Citi business login. Both of which are existing in good condition.

2. Implement a Standard Operating Procedure ( SOP ) so that other consumers do not have to endure what I am enduring.

3. Disburse newly implemented SOP to all Citi associates so that no one will have to be transferred 5 times to 5 people each with different knowledge.

4. Contact me afterwards to confirm this and or explain.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I have a chime bank account and they first of all my my account got hacked by a hacker that opened up a XXXX in my account and also sent money for my XXXX XXXX because they stole my wallet and my phone and I disputed charges and they keep on denying it and it's over {$1000.00} and I'm not going to take a loss of something that I didn't do that's number one number two is I went to try to cash a check and it said I haven't got screenshots and said that it would be available by XX/XX/XXXX when XXXX XXXX  came around it said that it would be available that same day and then it wasn't they denied it after it said that it would be available by XX/XX/XXXX and it wasn't then I talked to him about it and the dude hung up on me and told me that he would talk to customer care about it but he never did it says in their check cashing thing that whenever I cash a check {$200.00} is supposed to be available and it never was my check was in there for XXXX  days.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

A {$500.00} Vanilla VISA value gift card bought from XXXX and XXXX of {$1500.00} value Vanilla VISA gift card bought from XXXX are all problem cards that I can't access to any of the money on it. The one from XXXX can't read some of the card numbers and apparently it was scratched and tampered by someone before I bought. I opened it right after I paid the card at the cashier and found the problem but XXXX people said I have to contact Vanilla for refund because the payment has went through. I called Vanilla immediately and a agent checked the balance on the card using some bar code on back of the card, {$500.00} was in the card at the time of the call and the agent freeze the card to protect. They said they will get me a replacement and it can take XXXX to XXXX business days. But I never received any replacement so far and no email response at all! For the total {$1500.00} value Vanilla VISA card bought from XXXX, they are XXXX {$500.00} value cards and I checked the balance the day I bought them and the balance looked right that each of them had {$500.00} on it, totaling to {$1500.00}. However wherever I wanted to use the card, all transactions were declined. So I called Vanilla customer service and the agent said these cards are bad and can not use although the money are in them. So I requested refund but they said I have to wait 30 days before they can process anything. The agent opened XXXX cases for investigation and requested some documents such as the card pictures, receipts and address verification docs, which I sent more than 4 times to the email and fax number I was told, but the business kept saying that they never received my documents and can't issue my any replacement or refund. But actually I even received system automatic email notifications saying that the email has been received so apparently the business is just trying to not giving me back the funds. None of those XXXX based call center agents are able to help and they just kicked us around and the cases are falling to black holes now! It has been more than a month since I bought those cards and I really need to get my {$2000.00} back immediately! The case numbers with the business Incomm payments are XXXX and XXXX.
Consumer complaint received 2018-11-26
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: CCS Financial Services, Inc. (FL)

I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. 
I obtained the credit reports and it said I owe {$570.00} to XXXX   XXXX XXXX and originated with XXXX XXXX XXXX XXXX Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX XXXX XXXX   which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
Consumer complaint received 2024-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (AL)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness. Per the IRS income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate.
Consumer complaint received 2023-05-02
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. (NJ)

This is my third requests, the unverified inquiries listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XXXX XXXX XXXX but no answer was received. These inquiries must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these inquiries, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MI)

In XX/XX/XXXX I first sent validation of debt to the company and they sent me a generic letter stating that the debt was valid without any proof. 

Date XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Mi XXXX this is what was sent to them Credit Bureau : RE : To Whom It May Concern, On XX/XX/XXXX I disputed an account reported by Nordstrom in the file you maintain under my Social Security number. 
I was informed on [ XX/XX/XXXX ] that the [ Nordstrom was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 

XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

The account XXXX XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

NationStar is false reporting on my credit file and/ or consumer reports. They fail to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and fail to conduct reasonable reinvestigations with respect to such information. They are in violation of XXXX XXXX XXXX.
Consumer complaint received 2024-05-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I was XXXX from XX/XX/XXXX till XX/XX/XXXX, during this time I hired someone to dispute a late payment on my credit report. When I contacted the individual ( XXXX XXXX of XXXX XXXX XXXX  ) he asked for my information to my XXXX  account, XXXX account, and XXXX account so he could get an assessment of my credit report while not pulling my actual report. After I provided the above information he/the company somehow attained my credit card account numbers for my NFCU Visa Platinum credit card as well as my USAA Platinum credit card and charged the cards {$15000.00} for my NFCU Platinum credit card and {$10000.00} for my USAA Platinum credit card. These charges were processed in XXXX XXXX, and neither company was willing to refund the charges.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

First National Bank sent me a letter stating " Based upon the deposit Account agreement you received at account opening, FNB reserves the right to close your account ( s ) for any reason. Your above- referenced account ( s ) with FNB will be closed n thirty ( 30 ) business days from the date listed above, and an official check representing the balance in your account ( s ) on that date ( if applicable ) will be mailed to the above address ''.

I sent an Certified Letter to First National Bank Revoking their Security interest, Lien and Power of Attorney. The tracking number is ( XXXX ). I was delivered on XX/XX/2024. They failed to acknowledge my letter and proceeded to close my account. 
As stated in my Letter I'm revoking their POA with the IRS.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (OH)

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$360.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$360.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim fili Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$380.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$380.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - ATM Partial Non-Dispense Date Error Reported : XXXX Claim Amount : {$5.00} Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

The disputed amount, {$5.00} will be included in the payment amount due on your next statement as of XXXX. 

We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

THIS LETTER ISNT COMING FROM A CREDIT REPAIR AGENCY THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX BANKRUPTCY THAT LEXIS NEXIS ARE REPORTING ON MY XXXX, XXXX & XXXX CONSUMER REPORTS . LEXIS NEXIS STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH LEXIS NEXIS BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ). 
I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. LEXIS NEXIS CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY LEXIS NEXIS ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO XXXX   COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, XXXX, AND XXXX CONSUMER REPORTS IMMEDIATELY. 

SINCERELY, XXXX XXXX XXXX XXXX