davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (NJ)

JD Byrider/CNAC willfully misleads the consumer by having them sign for two loans, one is a clandestine deferred payment loan thats never disclosed. This is done so that customers, like me, who would not qualify for high financing, now qualify and JD Byrider/CNAC can sell their older high mileage cars. People who have no idea what a deferred down payment is or that JD Byrider/CNAC is pulling a fast one with the mysterious fees that they say have to be paid before the customer even begins to pay the actual loan. The customer, me, in turn, just as with the housing industry several years ago, inevitably eventually defaults on the loan and the vehicle gets repossessed or they do a voluntary repossession like I did. JD Byrider/CNAC then resells the vehicle, but also still collects the balance on the repossessed vehicles and the cycle continues with another unsuspecting customer. 
My contract page shows that I, the customer, made a larger down payment than I actually made but this is something an untrained eye does not notice, especially when presented with lots of numbers that make no sense. I put down {$12.00} for the vehicle but it shows that I put down {$1000.00} cash which is false. I also affirm that there was Never any mention of a deferred down payment or of this second loan for {$1000.00}, that I was forced to repay bi-weekly for two months at a rate of {$250.00} per paycheck before my payments even began. When I asked what the {$250.00} payments were for I was told Fees and when I asked why they couldnt be included in the principal I was told that they have to be paid first. On my documents that I have been reviewing, it is stated to label the loan for the deferred down payments as a promissory note and only to refer to it as such. This is deceptive practices and illegal and this should nullify my contract which was entered into under false pretenses. Nowhere in my buyers statement of understanding does it mention the deferred down payment or the pretense under which I evidently signed for it. 
I now understand how that unfair, deceptive and fraudulent business practices led to my losing my vehicle and the constant stress of being unable to pay a bill I couldnt afford. It is my contention that JD Byrider/CNAC willfully and intentionally sets their customers up to default on loans so they can continue to resell old, over mileage vehicles and these illegal business practices must stop. Please stop these criminals!
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to go apply for a credit card and XXXX XXXXXXXX XXXX bank pulled my credit, also did XXXX XXXX bank. 
I went to apply got a car loan and XXXXXXXX XXXX XXXX XXXX XXXX pulled me credit
Consumer complaint received 2020-03-10
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: EQUIFAX, INC. (IL)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XX/XX/XXXXXXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Credit card or prepaid 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. (IN)

After receiving a bill, I initiated a dispute on XX/XX/22 for a charge at a hotel I did not make. Then, I received another letter that included a late fee. I was told to pay the amount because it would be reported to the credit Bureau as late if I didnt pay the amount owed while in dispute. I didnt want my credit to be affected so I paid the amount. I have been in communication with Citi XXXX and most recently I received a letter stating that I cancelled with the merchant and they refused to issue a refund and closed the dispute. The charge was made in NM and the proof the merchant provided is not my name or signature. I have not received a refund for the amount paid or the late fee. I paid {$180.00}.
Consumer complaint received 2020-03-10
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: First Financial Resources, Inc. (NH)

i am not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts
Consumer complaint received 2023-01-23
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. (UT)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

Please see attached documents.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CO)

My XXXX tradeline ( oldest tradeline ) was closed with out notice from the lender. When I called, they blamed the regulation and stated there was nothing they could do. This is now going to negatively impact my credit Score and the possibility of borrowing int he future. Since there was zero activity for 12 months they are closing it, but never made me aware that is had been 12 months or that a deadline was coming.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rubin & Rothman, LLC (NY)

This is going to be a second time I am complaining about this Collection agency that Acts as a Lawyer on behalf of Plaintiff. 
If the principal purpose of your firm or your law practice is collecting consumer debts, then you probably know this already, and you know that you are a debt collector under the statute. See, e.g., Scott v. Jones, 964 F.2d 314, 316 ( 4th Cir. 1992 ) Therefore as I requested multiple times not statements, not a contract but an " assignment of Debt '' or " bill of sale '' of this debt, I still never received. 
I have recently received a demand again for payments and threat to garnish my salary or freeze my accounts. 
In this light than, as youre already aware, since 2015, with the State Attorney General of New York and the Credit Reporting Agencies, all companies, data furnishers and debt collectors must abide by the new Metro-2 data format and must CERTIFY in their Universal Data Forms that all information being submitted is equivalent to a sworn declaration, or else you may be liable for perjury with substantial fines. Please provide to me what I have requested so that you are protected as am I.
Consumer complaint received 2020-03-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My children and I are victims of identity theft Bank of America is fraudulently taking my home I was made aware by a big orange sticker on my door I immediately went to the bank sat there for hours with the manager who then seen my name was forged he immediately filed his a fraud claim for identity theft and gave me a copy of the mortgage papers but would not give me a copy of the loan number then Bank of America made me sign and affidavit of innocent and the investigation began at first they were evasive and then when I finally got someone I was told it was the employees that work there even the Notary allowed the fraud to occur I did not give anyone permission to forge my name nor was I ever aware of this whole fraudulent loan and now the bank will not help me prosecute the people who did this What they will down is put me and my children on the streets I dont know what to do I need help please
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I used the XXXX application in Chase bank yesterday on XXXX2021 to send a {$1000.00} payment for a XXXX  from XXXXXXXX  after the intinerary never came thru today and the contacts stopped responding to me., I believe Ive been scammed. I contacted Chase bank and asked if theres anyway we can stop the payment and was told that because I used that application, nothing can be done. What a disappointment.. not only do I feel stupid for trusting a XXXX  company who scammed me out a ton of money.. but after I was told nothing could be done at Chase, I had to ask if they could flag the number I used to send money to or something to make sure others are safe from this disappointment.. the guy helping me said oh yeah sure.. give me a second.. it should probably be automatic you flag to protect others and not wait for a customer who just lost a thousands.
Consumer complaint received 2019-12-04
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. (CT)

XXXX Account XXXX XXXX XXXX XXXX - Equifax reporting agency is reporting that this account was late. This account was never later. Please have them remove late status from my Equifax credit report.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

I am the victim of identity theft. I have attached a copy of of FTC I dentity Theft report. I recently learned that someone used my personal information to open an account. This debt is not mine. Accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify that the debt is the result of identity theft. Under section 623. Duties When ID Theft Occurs. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Remove this fraudulent account from all my credit reports immediately. I am a litigious consuer and will not hesitate to file a small claims lawsuit for violations of the FCRA and FDCPA.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

I sent the payoff to Flagship Acceptance in the amount of {$20000.00} ( Cashiers Check ) on XX/XX/XXXX via XXXX XXXX ( Tracking # XXXX signed by XXXX XXXX ). I called multiple times and was advised that was not received. I stop pay and sent XXXX cashier check on XXXX XXXX XXXX ( Tracking # XXXX signed by XXXX XXXX XXXX XXXX I stop pay and sent a XXXX cashier check on XX/XX/XXXX and received on XX/XX/XXXX ( Tracking # XXXX signed by XXXX XXXX ). I have sent in the information to the company and they advised they are unable to locate. All the needed information on the check has been verified as correct. I confirmed the check was finally cashed on XX/XX/XXXX and has not posted as of today. I was advised on XX/XX/XXXX they are unable to locate the payment.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (FL)

According to 15 U.S.Code 1681i ( 5 ) ( A ) ( i ), each reporting agency is supposed to report the same accurate information. After many attempts to rectify this problem, the reporting agencies still won't delete the inaccurate information. All three bureaus are reporting different things within my accounts. I would like to have them deleted.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc. (MD)

Convergent Outsourcing, Inc sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XX/XX/XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor XXXX XXXX XXXX XXXX. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available. 

This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop. 

Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS. 

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Consumer complaint received 2023-01-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

My mortgage was transferred in XXXX and did not receive notice until about XX/XX/XXXX when I got a letter in the mail about the transfer. I signed in to create an online profile, however, I was unable to make any online payments at that time. I owed for XXXX and XXXX at that point. I sent a check on XX/XX/XXXX that covered the XXXX payment and more than half of XXXX payment. That check was credited to my account 3 days after I sent it. The following month, I sent another check covering the rest of XXXX and XXXX on XX/XX/XXXX ( still not allowed to make online payments ) and that check was held by the company for over a week before being cashed. Because they held onto to my check and took over a week to credit to my account, I was reported late to the credit bureau. I've spoken to Shellpoint, explaining to them that being a new customer, being denied access to pay online, my only option to pay was sending a check to pay my mortgage. They refused to correct the reporting. I asked if there was detail on when my check was received and was told the only records is when the check was cashed. Had I been able to pay online, I would have and avoided this entire mess. I made sure to mail the payment so they would receive it on time and based on how quickly they cashed the first check, there was no reason for me to believe it would take so long to process the 2nd check I sent. I know in my gut my payment was not late. But they reported me late anyway.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NC)

I agreed to a installment payment process to pay off a {$2200.00} debt the account was opened XX/XX/XXXX. Last payment was XX/XX/XXXX the account was closed XX/XX/XXXX but they reported it as unpaid after I paid all the installments
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AGENCIESshall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (TX)

This is my Several requests 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was given an {$300.00} American Express gift card for XXXX XXXX XXXX  from my company on Wednesday, XX/XX/2023. I activated the card online and used it for a purchase at XXXX on XX/XX/2023 for {$100.00}. The card now has {$240.00} remaining. I attempted to make purchases with the card multiple times. Beginning in XXXX and throughout XXXX. Each time a purchase is attempted, the card was declined. I attempted purchases from XXXX, XXXX, XXXX ( XXXX ), and XXXX. I have spent more than 4 hours ( in total ) on the phone with AMEX gift card services. They are able to review the declines and tell me I am unable to use the card on an online purchase because none of these merchants are reputable. The only solution I am offered is to print the card and use it in store. This is not a satisfactory resolution. Some consumers are unable to leave their homes and make purchases in store. Does this suggest physically disable consumers are unable to have equal access to gift cards? This is a hinderance to consumer accessibility. AmEx has offered no solution. I am told the card is " active '' therefore, I can't be issued a replacement and the card can only be used if printed and is presented at a physical store.