davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (DE)

The collection company DRS on behalf of XXXX XXXX reported on my credit report that I opened a loan XX/XX/XXXX. I have disputed this on my credit report 2 times with XXXX and also asked for the original loan documents and was denied by DRS as they deemed this as accurate nor did they send me the documents that I requested 2 times while in dispute. I contacted this company and inquired about this loan and was told this loan was opened in XX/XX/XXXX which is XXXX  years ago. I then asked why is it reported on my credit report now and that it was opened this year XX/XX/XXXX and I was told that the loan just came to them and thats how they report it. I asked what address they had on file and she gave me an address that does not belong to me. She then stated I needed a police report and I advised how can I get a police report from XXXX when they just put this on my credit report XX/XX/XXXX. The information they have in my credit report is inaccurate as I have been a victim of identity theft for years now, the information on my credit report is falsely dated and does not reflect the actual date of this said loan. They refused to send me any documentation when I disputed this 2 times as well as a XXXX time while on the phone with this collection company.
Consumer complaint received 2023-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Commute to work has been a continuous struggle without any ventilation. Despite my requests, the company refused to accept the return of the car. I no longer desired this vehicle as it did not match my initial purchase expectations. For the past XXXX years, this car has functioned without proper air conditioning. Moreover, the car 's system frequently malfunctions while driving, causing unexpected stops in traffic. The information provided about the vehicle was deceitful and manipulative. I never agreed to pay for a car under these circumstances, and I find this manipulation highly unjust. The promise was that I would receive an operational and safe car for my family, which clearly hasn't been fulfilled. It's unfair that my family now bears this financial burden without a reliable vehicle, especially considering the needs of my XXXX child. I refuse to make payments for a car that is inoperable, as it was not part of our agreement. Despite my request, I haven't received the original contract, and the contract you attempted to provide is fraudulent and not signed by me. The Truth in Lending Act ( XXXX ), which is a federal law, mandates that lenders disclose specific information to borrowers regarding the terms and costs of the loan. This includes providing a written contract or agreement that clearly outlines the terms of the loan, such as interest rates, payment schedules, and any applicable fees. Sending a fraudulent contract is against the law. I insist on receiving the original contract before any further communication or payments. I will not make any additional payments for a car that can not be operated. XXXX years ago, returning the car was not allowed due to the representations made by your staff and the dealership, claiming no returns were possible. You manipulated me, and now you expect payment for a non-functional vehicle. The contract itself was founded on falsehoods, which is why you are withholding this information from me.
Consumer complaint received 2019-12-09
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BYS, LLC. d/b/a Boost Your Score (PA)

On XX/XX/year> I paid XXXX to XXXX it shows on the system it was taken. XX/XX/year> SO today I received an email saying I'm delinquent. This program started on XX/XX/year> & the payment wasn't due until the XXXX. I tried to pay it early no the payment only comes of on that day. I had the funds available it was taken. So for me to get an email saying I didn't pay unacceptable. XXXX by them doing that push my credit score down. Now why would I sign up for a credit boost to allow the company to say I defaulted on a installment loan that I can even used the money or card until after XXXX payment. So they are getting over on me the consumer.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (AL)

I inadvertently must have used an Apple Card when buying a new XXXX a the Apple store back in XXXX of this year. I thought I used my click to pay feature on my phone using my XXXX XXXX ( which is paid off monthly ), but the phone for some reason chose and Apple Card from my digital wallet. 

I find out in XXXX that the Apple Card was used and of course I never paid it off b/c I didn't know the charge happened on an Apple Card. My XXXX XXXX every month is $ XXXX $ XXXX, again paid off monthly so I wouldn't have noticed a {$1500.00} phone. I called Goldman Sachs onceI saw on my XXXX report that I had a 30 day late notice. I paid the phone off and asked to close the account. My credit score has always been above a XXXX XXXX, with that mishap I went down to a low XXXX XXXX. 

I just today XX/XX/23 looked at my credit and I now have a 30 and 60 day past due on the same card. I called customer service and they said it was continued interest. I get 100 's of Emails a day and have never been on the lookout for a bill from Apple Card. All my bills get paid in full monthly on auto draft. I am now down to a XXXX XXXX score and Goldman says they will not do any goodwill reporting to fix my credit. I have had ZERO late payments in 15 year... not I have 3 from this company. 

I have now put a autopay on the Apple Card so any other rolling interest is handled, but I just want the 3 bad reports to be reversed and for my credit to go back to a XXXX XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (IL)

Convergent never contacted me about any debt that was due. They filed negative reports with XXXX, XXXX  and XXXX which negatively impacted my credit. I dispute the posting with XXXX, XXXX and XXXX. All three deleted the fraudulent posting. However, as soon as the three credit agencies resolved this, Convergent sent a demand letter claiming an amount owed to " XXXX ''. I have reached out to XXXX and they confirm that no amount is due and no amount has been due. The action that Convergent is taking is fraudulent and I fear will impact my credit. Kindly take the appropriate action against Convergent. This complaint is in reference to convergent account XXXX. 
Thank you. 
XXXX
Consumer complaint received 2024-06-11
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION (GA)

Attempted to prequalify for student loan on Sallie Mae website ( " See your rate '' prompt ). Form was actually application for student loan ; once the questions started to ask for more information than seemed right for a prequalification ( and the website title showing the form as a loan application ), I exited the form. I still receive emails from Sallie Mae asking me to finish the application, and there is no unsubscribe button on the email.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

When I was in college ( XXXX ) I banked with Wells Fargo and I was charged erroneous overdraft fees because my account reached negative dollars ( they told me deposits hadnt settled ). I tried settling this with Wells Fargo back then but was brushed off and forced to pay the fees they were charging me. Given this recent news about the Wells Fargo scandal, and the fact that they havent reached out to me to right this wrong, Im looking for reimbursement of these charges plus interest, because if the shoe were on the other foot you know they would charge me interest.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NY)

15 U.S. Code $ 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
Names : 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 Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
Consumer complaint received 2019-07-12
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THE ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Palm Beach Credit Adjustors, Inc (FL)

NEVER RECIEVED NOTICE FROM FOCUS FINANCIAL, REQUESTED BREAK DOWN OF DEBT AND BY LAW HIPPA ACT OF 1996, PROVIDE MY SIGNED HIPPA RELEASE FORM. I ALSO RECIEVED 3 COLLECTION BUT ONLY ONE VIST PLEASE PROVIDE 3 SEPARATE BILLS WITH THE ACCOUNT NUMBER FOR EACH SINCE IT WAS ONE VIST TO THE EMERGENCY ROOM
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (RI)

My company XXXX XXXX leased a new XXXX XXXX on XX/XX/XXXX for 3 years 36 monthly payment of {$460.00}. I cosigned the lease. Monthly car payments were done through bank transfer automatically from XXXX XXXX 's account. 
I indicated way back to the dealership in XXXX and again in XXXX, XXXX that I would purchase the vehicle at the end of the lease. Unfortunately the sales person I dealt with left the dealership so no one knew what was going on but more than one person at the dealership told me just come in and everything would be taken care of. 
I singed the papers on XX/XX/XXXX to purchase the vehicle for personal use with the dealership. On XX/XX/XXXX, I found a 37th car payment taken out from the company account. I called Chase on XX/XX/XXXX and was told that " computer did not know the lease was done ''. Further the customer rep blamed the dealership saying Chase credited the overpayment to the dealership and I should ask the dealership for refund. I called and visited the dealership and was promised that they'd look into it. 
On XX/XX/XXXX I called to follow up with the dealership and got nowhere. 
On XX/XX/XXXX, I called Chase and got to a supervisor. He started a ticket to look into the overpayment and promised to call back with an update by Friday. 
On XX/XX/XXXX, I called twice to Chase regarding the overpayment and was told that they would look into it again. 
I don't have the time to keep calling Chase. There was an overpayment and they should refund it.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

I resolved a debt with Transworld Systems on the terms that it would be removed off my credit report. I paid the amount in full and they sent me a letter that the debt was resolved. 
When disputed with the letter given, they will not remove it from the credit report. The letter states as of XX/XX/2023 the debt has been resolved. I have contacted Transworld Systems multiple times to try to get this resolved and they will not work with me, so they leave me no choice but to submit this complaint to try to get a resolution.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

My debit card was in the process of being replaced when the new digital card they assigned me got suspended. I received a letter in the mail but it did not detail why my card was suspended just that they were investigating a fraud claim. I called the bank 3 times and was finally informed that my account was suspended without a reason why. There was no prior notice or an attempt to transfer my funds to another account, Chase just told me I would have to wait 7-10 business days for my money to be sent to me.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

I applied for the XXXX XXXX card in XXXX  with a new XXXX member skymiles bonus of XXXX miles with {$3000.00} spend in the first 3 months. 

I noticed in XX/XX/2019 that I never received the skymiles in my XXXX account. I contacted American Express to find out why. The agent said he didn't know why and would open a case and I would see the skymiles added within 30 days. 

In XX/XX/2019, I still didn't see the skymiles in my account balance. I called again. This time I spoke to an agent who was incredibly rude and told me I didn't qualify for the skymiles. I asked her why and she referred me to the terms and conditions on the website. I asked to speak to her supervisor. After AN HOUR, the supervisor came on the phone and said she didn't know why I didn't get the skymiles either and would open another case to get them added. I filed a complaint regarding the agent due to her lack of knowledge and professionalism. 

Its XXXX, I don't have my skymiles and I don't want to call them again because of the amount of stress brought on by these conversations. 

I've never had a XXXX credit card in my life. I've never received a welcome bonus. I met the spend requirements to earn the skymiles bonus and I'm deeply offended at the amount of time and effort it has taken me to just get what they advertised. 

Also ridiculous I have to come to the CFPB to intervene on my behalf. 

Thank you very much for your time and assistance, XXXX XXXX
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TN)

I called chase at the end of XXXX early XXXX and I spoke with a representative about a late payment. She assured me there would be no negative reporting unless I was 60 days past due which is basically 2 months past due. My due date is on the XXXX I paid on the XXXX and received notification that it was reported negative on my credit on the XXXX which was explained to me on the date that I called. Now they are not wanting to fix the issue
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (CA)

I had created many PayPal accounts when I was hosting and registrant of XXXX XXXX XXXX since XX/XX/2004. I never received a single dollar from viewer of website and this has resulted in early death of my mother in poverty and my poverty. I am injured These are the emails XXXX XXXX XXXX XXXX XXXX XXXX I had connected to PayPal.com Yesterday I was clearly attacked a Paypal account linked to my email XXXX and linked to XXXX  account XXXX got deleted Someone has stolen the Visa debit atm I had linked to XXXX I setup in XXXX XXXX I need my domains and accounts back
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NY)

My credit card number was stolen and I was contacted by the fraud department at Citi. They told me they would close that account and send me a new card. I had a payment due and logged in to pay my payment and it showed a XXXX balance and I was unable to make the payment, however I also had not received my new card number at that time. So I received a phone call from Citi XXXX department, who was not very nice and insisted the information was on there website. After the call was ended, I logged in again, and it still said XXXX balnace and I was still unable to make a payment ( this I took a picture of ). I then received and email taking all my available credit away from me. I tried calling them again and they took my payment over the phone, however would not remove the late fee, which was of their doing, not mine, and said they could not do anything to repair what they had now done to my credit.. due to errors on their end.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo had a lawsuit and I never got a check, my XXXX was stolen and someone in XXXX va made a postal account in my name, did you send them my checks? If so were they cashed? If not then my checks need to be sent to me the rightful person
Consumer complaint received 2022-01-04
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: AMERICAN HONDA FINANCE CORP (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. AMER HONDA account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMER HONDA XXXX )
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC. (NJ)

On XX/XX/XXXX I noticed on my XXXX credit report a creditor, XXXX XXXX XXXX also know as Halsted Financial in collections in my credit report. I filed a dispute with all three credit report agencies, the FTC and Department of consumer affairs. As of today, XXXX XXXX I received an email from XXXX after their investigation that this XXXX XXXX, XXXX was removed from my credit report ( see attached documentation ). I received twice, SMS texts from Hasted Financial of the account with XXXX was placed with them and are trying to collect on this account thats been removed after an investigation. I opt in to ( stop ) communication on SMS and a response back was I successfully opt out of Text messages/ SMS text and would not longer receive such. That was on XX/XX/XXXX. Today, XX/XX/XXXX @ XXXX am I received another phone call to my cell XXXX which is also on the do not call list since XX/XX/XXXX. This company Halsted Financial , LLC is now violating, harassing and intimidating me for a debt that 1st I dont have with them and the original debt that they seem to have taken over from XXXX XXXX, XXXX was removed by XXXX XXXX XXXX directly from my dispute of not belonging to me. XXXX immediately after investigation, sent me a message in my email and experian credit report that the disputed item, XXXX XXXX also known as Halsted Financial, LLC was removed from my credit report. But, as of today, Halsted Financial LLC is still harassing me with phone call this morning @ XXXX am on XX/XX/XXXX. This is a direct violation and harassment by Halsted Financial, LLC and they need to be accountable
Consumer complaint received 2022-12-19
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. (AL)

Due to my personal information was reported incorrectly in the data systems an was reported deceased illegally Equifax had my date of birth as XXXX sents XXXX that kept denied credit I was forced to send my identification card an other stuff proving my identity due to false information being reported untrustworthy requested everything should be removed off my credit report an should be reimbursement for the cause I been trough an trouble that cause me my identity was stolen do the Equifax settlement check I never received because my identity was incorrect never was false even the debt collector report I was reported deceased on all credit report