davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

I WOULD LIKE TO REPORT A BILLING ERROR AND SECURITIES FRAUD FOR PAST BILLS/ CERTIFICATES OF INDEBTNESS ACCORDING TO 15 USC 1666 b TIMING OF PAYMENTS. EXETER FIANANCE IS IN VIOLATION OF SEVERAL RULES GOVERNING CERTIFICATE OF INDEBTNESS AND OPEN ENDED LOAN PLANS. THE COMPANY IS REPORTING A LATE PAYMENT TO THE CREDIT BUREAUS AND CODE OF FEDERAL REGULATIONS STATES CREDITOR MAY NOT REPORT ANY PAYMENTS AS LATE UNDER SUCH TYPE OF LOAN PLAN. THE COMPANY ALSO DID NOT CREDIT MY ACCOUNT FROM THE DIVIDEND PAYMENTS THAT THEY MADE OFF OF MY TREASURY COUPON. VIA THE ELECTRONIC FUNDS ACT, I WAS SUPPOSE TO RECEIVE MY DIVIDEND PAYMENTS BACK TO MY DEPOSIT ACCOUNT. PLEASE REFER TO 12 CFR 1026.3 BILLING ERROR RESOLUTION RULES PENDING. I ALSO NEVER RECEIVED THE 20 % OF SHARES I WAS ENTITLED TO FROM THE SELLING OF DEBTORS SECURITY. SHARES WERE TO BE TRANSFERRED TO MY TREASURY DIRECT ACCOUNT XXXX. CONSUMER IS FILING INDIVIDUAL INVESTOR COMPLAINT WITH SECURITIES AND EXCHANGE COMMISSION ALONG WITH REQUESTING AUDIT OF THE ACCOUNT FROM IRS OMB FORM 211. I ALSO NEVER RECEIVED ANY LOAN FROM EXERT FINANCE, BUT YOUR REPORTING ON MY CREDIT REPORT THAT I HAD AN AUTO LOAN, BUT THIS IS INACCURATE INFORMATION. YOU SIMPLY PURCHASED A CONTRACT AND THE CONTRACT IS ONLY VALID BETWEEN CREDITOR AND SELLOR. I AM THE DEBTOR AND SUPPOSE TO RECEIVE DIVIDEND PAYMENTS FROM THE CERTIFICATE OF INDEBTNESS / SECURITY CREATED WITH MY SIGNATURE.
Consumer complaint received 2023-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

Comenity bank calls me no less than 10 times daily, including between XXXX XXXX and XXXX XXXX when I have told them not to call. I work from home at these hours. It is the same woman and I've told her repeatedly not to call me. I block the numbers that call me and she just gets a new number or misrepresents her identity.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (VA)

I had an affirm account that was charged off and sent to a collection agency. I entered into a settlement agreement with the collection agency. I paid off the settlement amount, but the initial creditor is still reporting a balance owed. I have contacted the company over and over, and also disputed the account with the credit bureaus but they keep confirming the account information as incorrect. Yet the account is settled in full, and I am providing proof with the dispute that the account is settled in full.
Consumer complaint received 2023-06-23
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. (FL)

I sent a letter out on XX/XX/XXXX to Experian, XXXX and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I was a client for welI fargo for about 4 or 5 years and i had to switch banks because i was constantly being wrongfully being charged a monthly fee when I had a checking account that if I used my debit card 10 or more times a month making purchases or ATM transactions that I would not be charged a monthly fee., i used my debit card at least 50 times or more a month, I was aways missing money and had unauthorized charges on my account, I would deposit money through the ATM ( cash and checks ) and would have to wait for a couple of days for my deposits to be available ... also about 4 or 5 months ago I went up north to New Jersey due to a family issue and when I came back wells fargo closed my account saying that my account was {$600.00} over drawn when I have not used my account in 4 or 5 months
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I opened a Wayfair credit card through CitiBank around XX/XX/XXXX. To this date I have never received that actual card, so I only have access to the last XXXX digits. 
I charged {$370.00} on or about XX/XX/XXXX through Wayfair. On XX/XX/XXXX I paid my balance in full through my XXXX XXXX XXXX  bill pay. I have documents through my bank that the check ( # XXXX ) went out XX/XX/XXXX, and was cashed ( deposited ) by CitiBank on XX/XX/XXXX. 
On XX/XX/XXXX I received a call from XXXX notifying me that I was late in my payments, and they're charging me a late fee. They asked me if I wanted to make a payment over the phone. I informed them that I paid my balance in full almost a month ago ( 24 days ago ). They said they had no records of that. I informed them I will contact my bank and get my documentation. 
I called XXXX XXXX XXXX ( XX/XX/XXXX, and printed my documentation. I called CitiBank back, and again, transferred me from XXXX person to another to another. No one had a clue of what they were doing. They finally told me to fax them the documents, and they will open an investigation and at this time they will put the late fee on hold. They gave me XXXX different fax numbers to send it too them. I then asked for an email as I'm retired ( XXXX ) and don't have access to a fax. They basically told me not their problem and I can mail it in. 
I ended up faxing them a copy of my check, front, and back on XXXX XXXX XXXX XXXX XXXX XXXX p.m. and have confirmation it went through. Citibank also gave me case # : XXXX. 
On Saturday, XX/XX/XXXX, I received a letter from CitiBank trying to collect a late payment for this acocunt.
Consumer complaint received 2023-02-22
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX 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 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. These companies have violated my rights as a consumer No privity of contract exists only between the parties ; no third party can obtain rights continued within a contract or the buyer-seller of a contract without the express written permission of the original parties. Midland Credit Management account number : XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. These companies and the sellers have violated my rights as a consumer!
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CarMax, Inc. (NV)

I tried reaching to Carmax in XX/XX/2024 about getting this vehicle removed off my credit but I have not heard back and I am unable to get the proper number for them to get to the correct dept as I filed a XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Hello- I applied for and was approved for a Capital One Venture XXXX Card in XX/XX/2022. I specifically chose this card because of one of the advertised benefits- it provided a XXXX XXXX membership that included access to restaurants. 

In XX/XX/2022, I received an email indicating that this benefit was changing and the XXXX XXXX  membership provided as a benefit of my card would no longer grant any restaurant benefits. 

As a result of this, I can no longer receive any benefits from the provided XXXX XXXX  membership when I fly out of my home airport, XXXX 

So, essentially, the benefits that were advertised are marketed as part of this card are no longer available - this after I paid a significant annual fee. Had I known this, I would never have signed up for the card. This has cost me a reduction in my credit score as a result of the hard inquiry and the {$390.00} annual fee. 

I feel like this is a bait and switch - advertised and marketed benefits will no longer be available. There was a reduction in benefits but no corresponding reduction in costs. I called and spoke with a Capital One representative and her supervisor asking for a statement credit to compensate me for the reduction in benefits or a reduction in the annual fee and was denied this request. Both representatives were very professional and understanding of the situation, but unfortunately they were not authorized to address the issue. 

I would like a statement credit to offset this reduction in benefits. An equivalent XXXX XXXX membership that provides the benefits that were advertised and that i paid for through my annual fee and the revenue generated by my card use costs {$460.00} - XXXX XXXX XXXX 

I would like some compensation from Capital One. 

Thank you XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (FL)

I finance a car though USA Auto finance company Payments are Due bi weekly been paying it for 2 years or more The finance company doesn't exist now as of sometime in XXXX there was no letter stating where or why US Auto no longer exist they sent it to a debt collector contacted them to see where I'm supposed to send payments no response. I received a letter that I oweXXXX  to Westlake Portfolio Management . LLC they have that I've paid XXXX when I called the Westlake place the lady I spoke to could not find the account even though it was on the paper they sent .asked me for my SS # and name asked her why US Auto didn't send me something in the mail about them no longer in business she didn't give me any answers and why didn't it have what I paid already in the 2 years again no answer it was like I was talking to myself I have a contract with US Auto not Westlake I asked her who do I make the payments too she again no answer she told me to call the number I called and give whoever my card info she was silent with no answers Then had the the nerve to say Is that all for you today. I said no you didn't answer none of my questions.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I XXXX XXXX never gave ( Equifax ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

None of these companies have lawful authority to put any account on my consumer report.

All accounts list below must be deleted!

I research these are Violations under the FCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts.

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a 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 4 business days after the date of receipt by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you, Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-21
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: OPORTUN FINANCIAL CORPORATION (WA)

On or around XX/XX/XXXX, my Oportun XXXX XXXX XXXX and phone was stolen and was used to make multiple fraudulent transactions which I reported to Oportun the following day after receiving email alerts from Oportun asking me to verify recent transactions which I responded that I didnt authorize. My card was blocked by Oportun and a claim was filed for the the following XXXX charges ; XXXX # XXXX ; {$610.00} XXXX XXXX XXXX ; {$200.00} XXXX XXXX XXXX : {$25.00} XXXX received my new Oportun card in the mail shortly after and activated it but as of today XX/XX/XXXX, those fraudulent charges are still reflected on my account with interest and late fees being charged for the past two months totaling a current balance of {$950.00}. I dont know if my credit score has been negatively impacted either. everytime I called Oportun almost on a weekly basis to get an update and spoke to multiple supervisors, I was told the same thing, just to wait. Until two days ago I found out that Oportun transactions review department didnt finish confirming the fraud that happened in XXXX because along those three fraudulent transaction I posted above, there were other attempted fraudulent transactions which were blocked by XXXX fraud system and they wanted to verify if I was the one making those transactions. I confirmed to them that I indeed didnt authorize any of the attempted blocked charges in question and they apologized that it took this long. It has almost been 90 days and no resolution has been provided. Shame on Oportun
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

jpmcb - card service isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 XXXX XXXX is reporting as an inquiry on my transunion report and i never applied for this company either, XX/XX/XXXX, XXXX,
Consumer complaint received 2023-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

In XXXX, XXXX as I was making a drive-thru deposit in my TD Bank savings account in XXXX, Florida, the teller told me that the interest rate on my savings account was incorrect at .05 % and that she was going to 'bump it up ' to the going rate of 4 % ( on 260K interest increased from {$2.00} to {$850.00} per month. After traveling, I went into the same TD bank in XXXX and spoke in great depth with Assistant XXXX XXXX XXXX XXXX XXXX ID # XXXX, asking to be paid the appropriate interest on my money pending the interest increase in XXXX. $ XXXX had been sitting in my savings account for over 2 years attaining {$2.00} per month. She said she could only go back and pay retroactively 1 month. This was done. She stated that the reasons she could only go back one month was because - XXXX. I needed to also have an active checking account ( she and I checked and my checking account was VERY active ). 
XXXX. It was my responsibility to come into the bank when the interest rates started rising and ask for the correct amount of interest back in XXXX 
XXXX. That my account was not the type of savings account that was entitled to an increase in interest ( yet, the drive-thru teller had increased it without me even signing any paperwork! ) XXXX. It would be too difficult for her to go back through the months and determine the appropriate interest for each month as she didn't have access to the rates ( verbatim ). 
XXXX. She had spoken with the 'back office ' and they said they had sent out a notification card telling me what my interest rate was, however, could not provide a date that this was sent out ( I am meticulous with my banking mail and file all correspondence immediately ). 
I informed her that I would be filing a complaint and asked her to email me ( in writing ) all of the reasons why I could not get the appropriate interest on my account, however, to no avail, so I have best summarized what I was told. 
I suspect that this is being done to other elderly people who are not on top of interest rates, etc. I am looking forward to getting it resolved and I hope it raises awareness for others who are being taken advantage of.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

Beginning on XXXX XXXX, XXXX, I began receiving automated calls/ recorded messages from XXXX. After doing some quick research, I found this number is used by Aargon, an agency in XXXX XXXX, Nv. It is now XX/XX/XXXX, and I have now gotten 26 phone calls from them, even though I do NOT have ANY outstanding debts that would require a collection agency. Because of that, there is NO account # on file, or at least there should not be. I pay all of my bills on time, and nobody that bills me, has ever notified me of any delinquent payments. So to me this is an obvious scam. I've blocked their phone #, but they are still able to leave voice messages on my cell phone. The messages are almost always garbled or cut off, so I have no idea what the messages are referring to. I have sent the company an email, asking them to take me off their call list. 

Dates/ times of each phone call : ( all in XXXX ) XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, three calls! 
XX/XX/XXXX - XXXX, two calls XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX