davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (NC)

I was actually helpiing a friend purchase furniture. She picked out furniture that totaled {$1900.00}. XXXX After speaking with the salesman I signed the contract online. I remember asking about the interest rate but never got a full answer. The initial intention was to pay the loan off in 90 days same as cash. Since that time period was not met, I just continued making {$120.00} pymts. every two weeks. Since I've been doing this for 5 mths. now, last night I decided to check the balance. So I sat up an online account with American First Finance and logged in to find that the balance was a whopping {$5000.00}. When I finally reached a customer agent he informed me that figure was correct and the interest rate was 144 % and I actually believe this is a form of unfair and deceptive trade practice. I was naturally appoled and went off. I've never heard of such high rates in my life. Since I couldn't get an understanding with him I hung up and called my bank to stop future payments and then called XXXX XXXX XXXX The next day the company did email a copy of the contract. Although I did sign it online without a clear understanding of all the details, I still believe it to be totally unfair and deceptive trade practice.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (VA)

I had a auto loan thru Westlake financial that resulted in a repossession. They then got a judgement and garnished my paycheck for the remaining balance. After completing the garnishment and informing that is was complete they updated the credit listing to show a remaining balance of XXXX  dollars. I have spent 4 months contacting them trying to get this corrected to XXXX  as it is still reporting as past due. I have not been given a opportunity to pay XXXX  dollars or any way to remove the remaining balance from my credit report. I have disputed the balance multiple times with credit reporting agencys and they keep verifying it as accurate. I just want the balance adjusted to XXXX  and the account has been paid off.
Consumer complaint received 2019-08-14
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. (NE)

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Schreiber Law LLC (CT)

Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify Schreiber Law , LLC and affiliates to CEASE & Desist in all communications with me in regards to an alleged debt with XXXX or any other debts you allege I owe. 

Please be advised, that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Connecticut Attorney General 's office. 

Additionally, if I am contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company/firm for violation of the FDCPA. 

The emotional distress, anxiety, and frustration that I am suffering from due to your firms intimidating and constant contact DURING a PANDEMIC is beyond words. 

Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from you or your company/firm may be recorded to be used as evidence for my claims against you. 

Furthermore, I would also like to note herein that not only did I send previous Cease & Desist letters via mail to the Schreiber Law , LLC ( that were ignored ) that I also submitted a previous complaint with the CFPB about this firm. 

On XX/XX/2020 I submitted to the CFPB a complaint about Schreiber Law , LLC and requested that they CEASE & DESIST. Schreiber Law , LLC responded to the CFPB that they could not confirm who submitted the claim. Moreover, stated they would send a response directly to the consumer. In brief, my cease & desist request was ignored again and case was closed. 

In light of this firms response it begs the question. If Schrieber Law LLC, could not confirm who submitted the claim then how is it in their owns words to the CFPB do they respond by stating they will contact me directly?

I will enclose Schrieber Law, LLC 's most recent letter sent to me. I am in the hopes that the CFPB will take note of this deceptive and misleading letter sent.
Consumer complaint received 2019-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial (AZ)

I got the loan through west creek financial 8 months ago and gave them authorization to auto debit my account on the XXXX and the XXXX of each month on XX/XX/19 I noticed that the money was pulled out of my account. When I first called I was told my bank did it when I told them I gave them authorization not my bank and it is authorized for the XXXX not the XXXX I got a call from a supervisor who advised me that they send it 5 days early and cant help when my bank pulls it I again tried to exsplain my authorization is for the XXXX and they cant send it early when I went back to my bank statments this is not the only time and not the only fees I have incurred due to these illigal practices. I also gave authorization and made the 1st payment via debit card they started using my checking that my bank will always pay the over draft without my knowlede and said thats the way they do it as they require checking info on the applications. Today XX/XX/19 I recived a call from west creek financial at XXXX XXXX  then again at XXXX
Consumer complaint received 2021-05-06
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: CarMax, Inc. (CA)

erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.
Consumer complaint received 2019-08-14
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. (NE)

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-10-17
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. (FL)

I submitted a complaint about an ambulance XXXX XXXX ( 3 ) about not accepting XXXX XXXX payments as paid in full. My complaint was accepted and the entries were to be removed. All other companies accepted XXXX payment. I lost my job to Covid-19 and live on social security. Food & housing take most of my check and payment is impossible under the credit. I am XXXX with health issues & future employment is unlikely. This is unnecessarily hurting my ability to survive.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was granted a PPP loan as a XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX, and funds were disbursed on XX/XX/2021 did not take out the funds based on the facts my bills for XXXX XXXX XXXX  of XXXX XXXX XXXX was not yet due, and as of XX/XX/2021 the hardship that Capital one has caused my business  is unmerited and I am filing a complaint for discrimination  against my race and business entity
Consumer complaint received 2023-07-22
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My credit card company is deny my claim based on this letter from the company. 

XXXX, XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 8 days ago ) to me Good afternoon, Thank you for reaching out to us regarding your visit to XXXX XXXX. I was recently provided with your ticket information and the images of the receipts that show the items you purchased at the front gate. After reviewing the ticket barcodes that you provided, we did see that they had been previously used at the park for entry on XX/XX/XXXX. The XXXX XXXX portion of the tickets were also used two times inside the park on the same day. Due to the inconvenience of this situation, we would like to offer you two additional single day tickets to visit the park by XX/XX/XXXX and we would also include two XXXX XXXX  vouchers for you to use on a future visit with us. The tickets and XXXX XXXX will be sent to you separately from this email. 

Once again, thank you for contacting us and allowing us to look into this matter. I hope that we can see you again at the park soon! 

Thank you! 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I am asking them to reopen Hello, Please reopen Claim number : XXXX for {$280.00}. 

Customers should not be held liable for the companys glitches, errors, or theft within a company. If I paid for a service, I should get it at the time I paid for it. Services was not rendered. I can not go back to XXXX XXXX in XXXX when I paid for hotel and plane tickets to go in XX/XX/XXXX. 
XXXX XXXX reuses their barcodes. If you were to call any of their parks, they will tell you that they reuse their bar codes. 
I purchased tickets for XXXX XXXX in XX/XX/XXXX, and you can see that in my bank statements. How could I have used the passes in XX/XX/XXXX. Unless I have some magical powers. 
My tickets were taken away ( stolen ) from me in the early morning by a crocked manager if the food passes were used twice that day. I did not use them I did not have them to be able to use them. The restaurants in the park open for lunch and afterwards. Either they gave my food passes to their friends, or it was a reused barcode. 
XXXX XXXX refused to give me a refund for their own mistakes, scams, corruption that is happening in the park and to hang onto my money they are giving me back what I bought to use in XXXX instead of refunding me money. I can not do anything legally to them because I live in another state. Which is why they are doing this and getting away with this. I can only ask my credit card company to help me.
Consumer complaint received 2021-05-06
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: Santander Consumer USA Holdings Inc. (GA)

I bought a car from Santander consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against Santander consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with Santander consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to Santander consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to Santander consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on credit karma they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX and XXXX of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.
Consumer complaint received 2019-08-14
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. (NY)

Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX  and XXXX  of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.
Consumer complaint received 2020-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

To Whom it May Concern, Your firm has failed to send the legally required validation of the following debt : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX You have sent me  copies of bills that is owned by other companies which is not validation. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. That is to file a lawsuit against this company. I have already had dialogue with an attorney on my rights. I have every intent to sue if the matter is not taken care of. 
Thank you in advance for your attention to this matter.
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (PA)

I was contacted on XXXX XXXX by a company called TransWorld. The phone number they contacted me from was XXXX XXXX XXXX XXXX. The man on the phone asked me about my sister, who is a minor ( I am not, I am her older brother and am XXXX years old ). I denied knowing her at first because I didn't know who these people were or what they wanted with her. They then asked if I knew her parents at least ( obviously I do because they are mine too ). At that point I said I do not consent to being recorded, at which point they ended the call. 

I then called them back and asked for their company name, they said it was " TransWorld ''. I explained that I just got a call from them asking about my sister, reiterating to them that she is a minor. I asked why they were trying to contact her, they said they could only talk to a legal guardian, and strongly implied it was my mother they are really trying to get in touch with. I asked them directly if they were a debt collector, they lied and said they were not. I told them it was unacceptable for them to be calling me about my sister like this, they quickly said they would remove my number and ended the call. 

I then looked up TransWorld, confirmed they are in fact a debt collector and called them one more time to confirm why they lied to me and ask why they are calling me about my sister, who again is a minor. The woman who answered this time denied any knowledge of it, I reminded her that they say at the beginning of the calls that they are recording and demanded that they stop calling me, stop harassing my family, and they are to never drag my sister into this again. She said she would remove my number, and gave me a number to call if I receive any more calls from them ( XXXX ) XXXX. She indicated it could take up to 24 hours to remove my number from their system, which I believe is unacceptable, they need to be able to remove numbers immediately. 

I believe they have violated the law by attempting to deceive me by asking about my sister, who is a minor, and lying when they initially told me they were not a debt collection agency. I discussed with my mother and we believe we know what debt this may be in regards to, in which case they are further violating the law by contacting me at all when they already have my mother 's contact information.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XXXX  and XXXX  of 2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.
Consumer complaint received 2023-08-02
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. (GA)

Experian opened an account in collections on XX/XX/2023 stating that I owe {$790.00} to XXXX XXXX XXXX, original creditor XXXX XXXX XXXX  XXXX. I have no knowledge of this account and when i disputed it they responded saying the account was verified with no adequate information or showing me proof that this account is mine. It has caused a big inconvenience in my life. I am currently in the process of buying something but can not do so due to this negative item on my credit report,