davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC. (NH)

On XX/XX/XXXX, a representative of XXXX and XXXX had contacted me to resolve a debt I did not recognize. I had asked them to send over any documentation that they have on this matter, including any agreements with a wet signature to prove that this was an actual account, since I did not recognize, or have any knowledge. They said they would send it via email which I was not comfortable with. I asked for it to be sent via certified mail so that I can ensure everything was accurate. They had failed to do so and on XX/XX/XXXX, I had received another email with PDF attachments of invoices and work to be a contract agreement, but with no signature pages. Nothing that could help me verify that this is a legitimate account or to verify that my signature was there. Not to mention they did not send it via certified mail. I told them that since they did not provide the documentation I requested, that this debt was considered no void per the fair credit reporting act because they could not provide the proper documentation to verify that this is a legitimate debt and did not do so within a XXXX  day timeframe. Then they proceeded to threaten to sue me because I wouldnt pay them, where I wasnt provided with the proper documentation to verify the legitimacy of this debt.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ARVEST BANK GROUP, INC. (MO)

we have been dealing with arvest bank on a dispute since XX/XX/2016 we won the dispute and they were to send us a check for the funds returned we have been chasing this check since XX/XX/2016 we have made numerous calls trying to get our check we have been told several different stories each time we call we have been told they sent the check it was returned so they sent it to a different address and returned again then they said they were sending it again still no check then we have also been told it was signed for and deposited into an account but they wont tell us any info on who signed for it or where it was deposited then they say we will send your check you should have it this week then back to it was deposited this is a business account so it would have to go into a business account but they wont tell us where it was deposited they are giving us a run around and keeping our money
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. kindly update these immediately. Thank you. 
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Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

I resided at XXXX XXXX with XXXX XXXX in XXXX FL, from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX I signed a roommate release and was officially released from the lease in XXXX of XXXX and XXXX was left as the sole renter of the property. When the lease was up for renewal in XX/XX/XXXX XXXX signed a month to month lease with the property that was terminated in XX/XX/XXXX. 

When XXXX left the property, the XXXX  XXXX balance that he owed was sent to collections and added to both of our credits. I submitted the necessary information to begin a dispute process to get this removed from my credit as it was not my balance to begin with. Eventually the collection was removed from my credit and I thought everything was well. 

On XX/XX/XXXX I applied to rent an apartment with my XXXX  and our application came back denied due to the balance that was still on my account from XXXX XXXX. We knew that the balance was not mine but we could not find any proof of me being released from the lease nor could XXXX XXXX  find the signed roommate release. We decided to pay the balance of XXXX  XXXX on XX/XX/XXXX, in order to expedite our process with renting this new property as we were on the verge of homelessness. On XX/XX/XXXX, we found a document that was proof of my name not being on the lease at the time. We reached out to XXXX XXXX, and on XX/XX/XXXX, they provided us with a document stating my dates of residence and that I do not owe a balance. 

I reached out to IQ Data Inc to explain the situation and request a refund. On my first conversation with them I was told that I needed to contact the rental company so that they can release me from the debt and a refund would be received within 14 business days. I called XXXX XXXX  and they explained that they do not have the ability to do that once the debt has been sent to collection.

I called IQ Data Inc again and this time they said I need to email their dispute team with my evidence and I will hear a response within two weeks. My wife sent an email on my behalf on XX/XX/XXXX with the necessary information. After both hearing anything back for two weeks I called again and was told that it could take up to 60  days for the dispute to be processed. On XX/XX/XXXX I called again and was told that the dispute was received but it have not started the investigation. I asked for a timeframe and I was told it will happen when it happens.

I have not heard back from IQ Data since then.
Consumer complaint received 2015-03-19
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Northeast Collection Bureau (CA)

Have been getting call from NORTHEAST COLLECTION BUREAU claiming that I owe {$650.00} to XXXX XXXX XXXX ( NJ ) where I lived before ( 9 Years Back ). I have repeatedly asking them to send the details of bill and they ask me to contact the XXXX XXXX XXXX directly, giving me the reference number XXXX. I contacted them but they could not trace the details. Today they have threatened me for legal action, if I do not settle the bill. I have paid a settled amount of {$470.00}. I am not able to verify the credibility of this debt company and not sure if these charges are valid
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (FL)

For the past few months I have been making large lump sum payments to pay off the loan early. Every time I call and begin to ask about my daily accrued interest the representative hangs up on me and I have to call back. Ive asked my last few payments to go towards the principal interest of the vehicle and they advise me that the company will first apply the payment towards interest that is owed and then the remaining balance will go towards the principal. The following day when I check the Westlake Financial App it shows that my payment had not gone towards the principal balance. Instead it has gone towards unknown fees. I would have to call back again and ask that the payment applied been reversed so that it would go towards interest and principal fees instead. Most representatives would hang up on me when making this request so I would have to invest hours of my day in resolving this issue. 
Once the payment reverses I had called to ask about the remaining balance and costs and every representative says they can not give me a direct answer. When I received a payoff letter it shows that Ive had a balloon payment towards interest. The system that Westlake Financial uses excluded some interest fees along the way and now that I am looking to pay off the remaining balance they have a large balance of interest that theyre forcing me to pay but no where in the contract does it stipulate that I would be responsible for paying a balloon balance towards interest that theyre system didnt calculate and apply towards my payments. 
I have been getting the run around from this company for months now and they have been unprofessional, unreasonable and dishonest. Ive asked to speak to accounting departments and higher people in charge and the customer service department does not provide me with further contact information to do so. I have the names, dates and notes of every person I have spoken to since XX/XX/2023 and will hold every person accountable for what they told me regarding my loan. My last payment of {$1500.00} was supposed to pay off the remaining principal of the vehicle but instead it went towards unreasonable fees and interest that the company saved for the end of the loan. Its never ending. According to the Westlake Financial App after my {$1500.00} payment I still have a balance of {$1500.00}. The payoff quote never seems to be available or accessible online either. At this point I would like the title to my vehicle and if the company does not provide that to me I will need to take further action.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TMX Finance LLC (SC)

So I applied for a title loan back in XXXX or XXXX of XXXX. I was told I can never be late and I always paid it on time or before the due date. But I also had to refinance a few times because I could not afford the payment in which that allows your loan to start all over. My interest rate is 177 %. I feel that is completely unlawful. The agent at the desk said oh no we start off at 150 % and its based on your credit. So while at the local store complaining about the rate she said there was nothing they can do. Having them try to explain to me what my interest rate per day comes out to be around {$13.00} which if your times that by 30 days that around {$400.00} ( roughly ) minus. My payments a month is XXXX would only leave {$32.00} to go towards the principal. But thats not the case its only put an estimate of XXXX dollars towards my principle. At the END OF THE DAY this is not in any way to help you when you need. Its designed to keep you down! Im paying more for this loan than I did for the car and Im never gon na be able to pay it off without doing the minimum payments and that makes me worried because again they will come and take your car after even paying with the car is worth. I also would like to mention around XXXX they can notify you that they had a promotion going on that they were doing a Giveaway, wanted you to enroll everyday to be eligible to win. I did and of course I wasnt the ones fortunate enough to win.I would of loved to see the winners. When you do something like that you would think that they wouldve had a big announcement. When they finally reached the decision after 2 to 3 months from XXXX said the office representative.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/23 i received refund from XXXX XXXX XXXX to close bank account in the amount of {$1500.00} and then another refund on XX/XX/23 from XXXXXXXX XXXX  XXXX in the amount of {$2800.00}. Because bank account was closed chase issued me a cashier check for the amount of {$2800.00} but not for {$1500.00} and they can not find any record of the refund transaction what so ever. And the merchant has confirmed the refund was clear and has not been returned.
Consumer complaint received 2023-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (MT)

I received a CD secured loan with US Bank. They failed to match the loan maturity with the CD on purpose as when I tried to refinance to do so, I contacted 5 branches of the bank and each one stated after not knowing what a loan officer was that I would have to break the CD to refinance or get a new loan matching the original CD maturity. On a {$250000.00} loan secured by this a CD of equal amount, one branch said all they could loan me is {$100000.00} but I would have to break the CD before maturity to do the loan documentation. The next branch said that yes they could loan me the full amount of the CD but again I would have to break the CD and place in a new CD for a new CD number to be used in the loan processing. In all cituations, the plan is to steal the interest accumulated on the original CD with an early withdrawl penalty!!!!!!!! US Bank has been doing things like this for a long time and cost us on this transaction by having to finance with another Bank {$3500.00}. This is real money to me. US bank needs to be stopped. They need to hire people with financial degrees or education not form fillers who don't know what a loan officer is. After I did not accept the loan terms they suggested they sent letters of declination based on income with the one loan when I was never asked about income in our application or request. The other loan denile stated simular ridiculous and fabricated terms for denile. By the way the CD that was securing the debt had accumulated interest well over any payoff of the loan. How would I not have the income to pay if off. I think they should be penalized for the loss I have incurred and money given to me not the office of the comtroller or federal reserve.
Consumer complaint received 2024-01-20
Product: Credit card — Store credit 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. (TX)

I am Best buy store credit card holder since long time.

Last year on XXXX I found some fraud activities on this card. Some Phone of worth {$270.00} was purchased. 

I reported the same to Best buy ( card issuer ) and CITI Bank ( card company ) and they asked me to File a case with Police as well which I diid. 
Best buy case : XXXX Police Case : XXXX I have gone to store multiple times to get video footage but they never shared with me. 
Police Officer called me and discussed everything and told me you are the victim and a fraud happened with you. 
I shared all these details to CITI Security team but they sent me letter that they don't see any Fraud happened and you are responsible for the payments. They asked me to provide addtional info to further investigate it. 

I asked CITI back to provide me detail investigation report which they never shared. 
I asked them that IMEI number showing on Receipt can be tracked and that could lead the case which they never went forward.
Consumer complaint received 2024-04-23
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 account was charged off on the following date XXXX XXXX XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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: JPMORGAN CHASE & CO. (FL)

I was called by " XXXX Fraud Department '' & I was forced to buy gift Cards to " protect my charge cards from unauthorized use by people who compromised my XXXX Account. They told me emphatically that there were unauthorized charges on my XXXX  account and that these people had access to everything in my phone, IP address, bank & credit card details, pictures, etc. and they could compromise my bank and credit card accounts. To protect these things and to protect me from criminal activity and possible jail, I needed to follow their instructions exactly. They told me not to tell anyone about this because they were working with the federal government to find and prosecute these people.They stayed on the phone with me and told me what steps to take all day. To buy {$500.00} gift card on Chase Amazon card as many as I could before being denied access, and to also buy as many as I could on my XXXX XXXX card. When I discovered this was a scam I refused further calls from them. I immediately called XXXX XXXX to report threatening me to buy gift cards and they reversed the charges for the 5 gift cards charged to their card. Chase Amazon card refused to reverse my {$500.00} charge even after speaking to 8 people about it, even that I had a police report, who definitely agreed that I was a victim of a financial crime. They stated that I made the face to face purchases and they could not reverse it. These people also forced me to withdraw {$4500.00} from my XXXX XXXX checking account to put into a Bitcoin " government wallet '' to protect most of my checking account money from being compromised. This complaint is about Chase refusing to reverse the {$500.00} chg. XXXX XXXX is investigating this forced {$4500.00} withdrawal to see if it can be reversed as I have a police report.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

To Whom It May Concern : On XX/XX/XXXX I signed up for the XXXX  XXXX Mileage Card after speaking with an XXXX XXXX representative. The representative told me about the credit card and the rewards, but failed to mention there were two different versions of the credit card ( " Signature '' and " Platinum ). The rewards I was told about, and sold on, were for the " Signature '' card, where as the " Platinum '' card has only a fraction of the rewards. After she informed me only about the " Signature '' rewards, I wanted to sign up, so she walked me through the process of applying for the card. 

Upon approval, I was told I would be receiving the " Platinum '' card, at which time I was unaware of the difference, or the existence of the " Signature '' card. Today, XX/XX/XXXX I finally learned about the difference between the cards after speaking with another XXXX XXXX representative. Had I been told upfront about both cards and the process for approving each of the cards, I would have either not applied, or if I had applied and gotten the same approval for only the " Platinum '' card, I would have called the credit card reconsideration line to speak with someone about getting approved for the " Signature '' card.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-13
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. (TX)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  Balance {$570.00} Note that this complaint is my follow-up complaint to ensure the listed accounts are verified immediately.