davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

XXXX XXXX PH : XXXX {$1000.00} and their collection agency Credit Management PH : XXXX {$1100.00} Account : XXXX. This Account was originally closed with the company on XX/XX/XXXX and was paid in full at that time as this phone was not mine and the original owner of the phone had not paid the bill and I shut the services down put a block on my account for them to no longer have access. The bill had been paid in full and suspended. The original start date of the account was XX/XX/XXXX and closed on XX/XX/XXXX. The company continue to charge for services after this date the account was cancelled. They also sent it into a collection agency who has now reported a outstanding amount to all three agencies as well. This is not fair and it is damaging my credit. Please look into this matter and have it corrected please. Your help with this situation would gladly be appreciated. This is not fair to damage my credit like this.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was approached online by a scam website called XXXX XXXX, i started investing and did not realize that the wallet address that was stated on the website was not in fact my own but rather belonged to the scammer, they were using it to enrich themselves by using my naivety and unfamiliarity with cryptocurrencies. I transferred money to them from my Bank of America Account. After I had " invested '' around XXXX USD they cut all ties and stopped responding to my messages.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (IN)

I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against Discover Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my XXXX credit report, and perhaps XXXX/XXXX and/or XXXX  and/or other credit reporting agencies. In short, XXXX XXXX has already done the right and legal thing by deleting these age-old accounts, and Discover and XXXX XXXX need to do so as well and immediately ... as does XXXX and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now Discover, XXXX, and, most important, XXXX, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with Discover or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau XXXX Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.
Consumer complaint received 2022-08-29
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. (AL)

In accordance with the Fair Credit Reporting act Account, 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 2022-08-29
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. (AL)

In accordance with the Fair Credit Reporting act Account, 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 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

Received a statement on XX/XX/XXXX showing a minimum payment of {$260.00}. The balance of the account was {$13000.00}, of which all but the {$290.00} in purchases made during the period was part of a balance transfer offer with 0 % APR for 14 months. The statement shows no purchases were subject to an APR. On XX/XX/XXXX, I processed a payment for {$1200.00}, more than sufficient to cover the minimum plus the new purchase from the XXXX statement. 

When my XX/XX/XXXX statement arrived, it however showed that a balance of {$620.00} was subject to an APR of 16.49 % resulting in an interest fee of {$8.00}. When contacted, Discover 's representatives were unable to explain how and refunded the interest fee. That statement showed a balance transfer remaining balance of {$13000.00} at 0 % APR and that {$1600.00} in new purchases were made, and a minimum payment of {$270.00} was due. 

I made a payment then on XX/XX/XXXX ( day the statement is received ) for {$2400.00}. This was more than the minimum payment and the amount of alleged outstanding balance that nobody could explain. 

I then received my next statement on XX/XX/XXXX showing that I still had an interest bearing balance from purchases of {$5.00} ( which doesn't check out based on the above ) and was charged a " minimum interest fee '' of {$0.00}, but without any explanation of which balance it was being applied. I immediately scheduled a payment for XX/XX/XXXX ( next business day ) for the minimum payment plus the alleged remaining balance of {$5.00}. There were no net purchases made during this period I'll add. Only one transaction which was refunded on the same day. 

Discover refunded the {$0.00} in interest, but failed to explain sufficiently how the above makes sense dating back to XXXX. Maybe I'm in the wrong here, but I don't believe this is in keeping with the Credit CARD Act of 2009, which stipulates that any excess payments made ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR.
Consumer complaint received 2022-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (FL)

How much does XXXX charge municipalities to bill customers for tolls and taxes? XXXX and XXXX dont add surcharges to toll and tax bills, but XXXX apparently does and is therefore incentivized to charge their customers for taxes and tolls that arent due or owed. I will be submitting a Rule Making request about this officially to CFPB - but Auto Financing companies shouldnt be collecting excise taxes or tolls for a fee. 

In their prior complaint response ( XX/XX/XXXX XXXX ) KIA admits that they are charging me for XXXX excise taxes that I do not owe. They admit they requested a refund from the Municipality ( XXXX XXXX  XXXX ) and that I should pay them this money even so. Yet after they responded to the CFPB saying this, they sent me a letter saying they will put my account into collection on XX/XX/XXXX for this money I dont owe. I moved away from that town a year ago. 

Their first response ( XX/XX/XXXX XXXX ) says that the taxes due were for XXXX which was an outright lie because I had paid XXXX taxes over a year ago. I supplied proof previously. 

I will be filing a lawsuit against XXXX to claim damages from this harassment that Ive received from them since leasing this car. I was overcharged by dealer, then XXXX  refused to acknowledge that I surrendered my prior XXXX ( when I took possession of present car ) and they tried to force me to pay for the surrendered car too, then 2 bad tires on brand new car and they refused to honor the warranty and now this. Not only is this illegal behavior it is also discrimination. I am certain if you look at your statistics you will see that theres patterns in their abuse - especially age and gender. 

This is systemic abuse and I can not help but think that if they were forced to keep Hyundai Motors Finance customer support functions onshore that this wouldnt happen in the USA. Theres financial incentive causing this abuse to occur. Its happening because it is offshore. Americans wouldnt needlessly hurt other Americans like this. This company is toxic due to this.

Also someone in XXXX leadership is not smart thinking that their customers are disposable and that hurting customers makes wise business sense. Especially someone like me who is repeat customer and never has been late on a car payment ever in my life. 

The amount of stress that this company has caused me is unconscionable.
Consumer complaint received 2024-03-08
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. (AL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or a list of inquiries : 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any XXXX XXXX agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (CA)

I am filing this complaint because I'm going through a really stressful time due to NCB Management Services , Inc.

I filed an arbitration case against NCB, who is reporting the account involved in this matter. NCB has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. ( the original creditor ). NCB Management Services , Inc. is a debt buyer, therefore they must honor the arbitration agreement that was originally signed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The XXXX XXXX XXXX is about to close my case because NCB has not honored the filing fees payment. This means that every consumer that wants to open a legal action against NCB will not be helped. 

I want to request the CFPB to begin an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am attaching the proof of the case and the XXXX XXXX XXXX 's email in which they state the case was to be closed.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They Furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-07-13
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. (IL)

My information was involved in a data breach via XXXX, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.
Consumer complaint received 2018-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

This complaint is in response to Wells Fargo response to complaint # XXXX and XXXX signed by XXXX XXXX on XX/XX/2018 I have reviewed all of the documents I received from the dealership. I was never given a copy of my credit application. 

I would like both of you, XXXX XXXX XXXX and Wells Fargo Dealer Services to send me the credit applications you each hold so I might compare them.
Consumer complaint received 2024-04-01
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: GOLDMAN SACHS BANK USA (UT)

On XX/XX/XXXX, my daughter XXXX, used our Apple Card from Goldman Sachs and made an online purchase from XXXX XXXX ' XXXX and a company called XXXX. On XX/XX/XXXX, literally the very next day, she called to cancel and was told she had XXXX options, the second on " # 2 If you'd still like a refund, our process is for you to go through a brief exit interview with our in-house coach, XXXX. XXXX XXXX immediately responded she would like to choose option 2. and on XX/XX/XXXX she had a call with said coach. Then, when this still wasn't refunded she disputed the charge with XXXX XXXX XXXX XXXX. Now, XXXX is stating this time period is WAY past an acceptable refund/dispute date. She did exactly what was asked for a refund and still, almost a year later we continue to get the run-around with XXXX, Goldman/Apple and can't even get them to read their own materials on how to get a refund. And their marketing materials clearly show you can " Cancel anytime. 30 day money back guarantee ''. 

This is beyond ridiculous that they told XXXX exactly what needed to happen for a refund, a refund she requested less than XXXX hours after placing the order. She jumped through their hoops, had a call on XX/XX/XXXX with their coach and we are still out all this money. Companies have gotten out of control with the advance of the internet at leave no room for consumer protection. by law, they have to provide all the details and give at least three full business days for someone to rescind a contract. Additionally, by law they have to provide something like the following : Event dates and locations are subject to change. Non-attendance at the event is not grounds for refund, nor release from this agreement. All deposits, advance payments, finance forms and tickets are non-refundable and held as in-house credit toward future enrollment and/or purchase. You have three days from the date of this agreement to review and/or return the training materials with no penalties for cancellation.

And/or Cancelation Policy You, the buyer, may cancel this agreement at any time prior to midnight of the third business day after the date of this agreement, excluding Sundays and holidays. To cancel this agreement, mail or deliver a signed and dated notice that state that you, the buyer, are canceling the agreement, or words of similar effect. Such notice shall be sent to the sellers address.
Consumer complaint received 2022-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I have applied for loan modification since XX/XX/2022. They stated once my information was received we can continue paying the mortgage. Everything was sent that was requested with even more information on top of it. The income was more than XXXX of the value of the house. They have proof I can pay for the mortgage but have denied the re modification. They keep stating to send the information again. I do and its the same thing all over. Have been on the phone with them religiously about 3 or more times each month trying to get this straightened because you have to wait a while before they process the paperwork. I uprooted my life with XXXX small children from XXXX  back to XXXX to save my childhood home with the guarantee from them that the loan under my father could be remodified with no issues. He is XXXX so I will be living in the home with my family and keeping it in our family for years to come. They state there is nothing else they can do. We were trying a different option which they told us we could which was to refinance through an outside bank. But they will not give us the requested paper work to do so. They are stopping us from refinancing as well as remodifying this loan. We dont know what else to do. I can not be evicted with XXXX small children and nowhere to go. I have given them everything I could. Documents after documents proving I can pay the mortgage today or tomorrow but they refuse everything.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XXXX my husband and I traded in a XXXX XXXXXXXX XXXX for a newer vehicle. XXXX in XXXXXXXX XXXX is the place we traded at. Credit Acceptance Corp is still calling my number and and my credit score has gone way down because they keep saying we are late with the payment even though we no longer have the vehicle and XXXX was supposed to take care of this. I want Credit Acceptance to cease calling me and repair my credit as we no longer have the XXXX XXXX.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (GA)

On today XX/XX/XXXX @ between XXXX pm I contact IQ Data International Inc address is XXXX XXXX XXXX XXXX Washington XXXX XXXX. I spoke with a XXXX, then a representative named XXXX, he was very rude and in good faith I attempting to contact IQ data settle a debt of {$950.00} with XXXX XXXX XXXX that was owed back in XXXX. I advised XXXX that I could not pay {$880.00} or {$990.00} in full on XX/XX/XXXX. I explained that my fiance ' made several attempts early summer of XXXX and before then to resolve the debt owed. The representatives were very unprofessional and when I addressed him of speaking spoke over me as I am the customer the statement was " you are not a customer '' in a very disrespectful tone ( and a bit of racists ) as well. Upon speaking with XXXX the operations XXXX, she was worse. She stated that I had an attitude because I requested a lower settlement payment than the first offer of {$880.00} and second offer {$990.00} in which the payment was expected to be paid on XX/XX/XXXX. XXXX continued to speak over me ( talking at me ) and she placed me on hold ( no profanity was being used ) and she made another statement about me " reading the letter '' in a very unprofessional and could come off as being a bit XXXX. The end result was after I paid {$240.00} on XX/XX/XXXX, XXXX the Operations XXXX would not allow for me to pay the balance of {$640.00} dollars in 30 days in XX/XX/XXXX between my fiance and I, she wanted {$640.00} in full before the call ended, and she hung up on me.