davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (SC)

I purchased a vehicle at US Auto sales in XXXX of XXXX. I was desperate the engine in my vehicle at the time decided it needed to be replaced. I did not have that kind of money. So I went to US Auto sales. I chose a vehicle that turned out to be the price of a new one with 14 % interest. The vehicle had to be taken back the very next day because it had major engine problems, the check engine light came on shortly after I left the lot. They wouldn't let me out of the loan but I could exchange it for another car on the lot. I test drove one and on the test drive the check engine light came on. I drove another one that ended up needing new tires and brakes. The suspension is shot as well. Now the first car I drove off the lot in with engine issues I verified at a mechanic shop estimated cost of work XXXX, was back on there website for sale the same day. My guess they were disconnecting the battery to clear out the light. Now apparently US Auto sales up and went out of business. I make payments every two weeks so I pay like XXXX a month. I made a payment as I always do and went to make the next one and am redirected to a different companies website. The company is Westlake portfolio management and they are debt collectors. I was not notified of the change nor have I received a copy of the loan agreement with this company that I have read is different. I owe XXXX on a XXXX XXXX XXXX with XXXX miles. This car won't last much longer and I don't know what to do when it dies and I need a car. I have a better paying job and am trying to get back on my feet. I just don't know what to do. I live in XXXX SC. I just feel taken advantage of and swindled with no recourse. I don't want to file bankruptcy because of predatory business models
Consumer complaint received 2018-02-22
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: EQUIFAX, INC. (IL)

I have sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

I paid {$5000.00} on my HOme Depot consumer card on XX/XX/XXXX in which the funds were released immediately. I tried to purchase a refrigerator on XX/XX/XXXX but was declined because XXXX did not post the payment and instead was going to hold it until the XXXX. If I would not have called and inquired about the balance and why it does not reflect the correct information they wouldve reported to the the credit bureaus a false balance thus jeopardizing my credit score and history. When I spoke to three different CSR no one could explain why I had to call back in and tell them to post the money they held for the last 8 days. Why would they subject me to this bias and unfair credit treatment by holding my funds that was released immediately and eventually reporting bad information to the credit bureau? What type of protection as a consumer do I have from this fraudulent practice?
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (SC)

My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute the validity of the alleged debt associated with the above-mentioned account. I request that you provide the following information to validate the debt and your authority to collect it, as required by the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX state laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  : Please provide evidence that XXXX XXXX  is licensed to collect debts in the state of XXXX XXXX  XXXX This should include a valid XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX of XXXX with XXXX XXXX : Please provide a copy of the contract or agreement between XXXX XXXX and the original creditor that grants them the legal rights or authority to collect on the alleged debt. This document should clearly show that you have the legal standing to pursue this debt collection FDCPA VIOLATION Communication with third parties : I am also concerned about your company 's communication practices, particularly with consumer reporting agencies such as XXXX, XXXX, and TransUnion. I have reason to believe that you may have communicated information about this alleged debt to these agencies without my prior consent or authorization, which would be a violation of the FDCPA. 

Failure to provide this information and continuing collection efforts without validation will compel me to take legal action to protect my rights under the FDCPA and XXXX XXXX consumer protection laws. 

Please respond to this dispute within XXXX days from the receipt of this letter. If you fail to provide the requested information within this timeframe, I will consider the debt invalid and will take appropriate actions to dispute and rectify this matter.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

I received a letter yesterday closing my CitiBank Credit card. I understand I have not used it for an extended time, but in addition to listing this as a reason, Citi advised that they ran a credit report and cited delinquencies, late payments etc ... 
I never authorized a credit report being run and they had not reason to do so as it was not a new credit request or a request for additional credit. The issues relating to my credit report are patently FALSE and they never provided me with a copy of the credit report nor the credit reporting agency used.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, Experian, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical XXXX  XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX Bank is currently showing one late payment on XXXX for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX protected. XXXX is showing one late payment for XX/XX/XXXX which should be XXXX Protected, and Experian is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be XXXX Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with XXXX, Experian, and XXXX they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Foris DAX, Inc. (CA)

I opened a prepaid credit card with Crypto.com. Deposited money into the credit card, I synced the card toy smart phone. The card started having issues with XXXX XXXX, would decline transaction. I attempted to contact crypto chat no response, I tried calling but just goes to voice mail, I tried emailing no response. The card is frozen and all I want at this point is my money, I cant even believe that this is allowed. The card contains my hard earned money and this bank is not responding to any of my communication.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX XXXX Bank is currently showing one late payment on XXXX for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX  protected. Equifax is showing one late payment for XX/XX/XXXX which should be XXXX  Protected, and XXXX is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with XXXX, XXXX, and Equifax they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.
Consumer complaint received 2020-08-19
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. (DE)

Around XX/XX/XXXX I received a notification from Experian that my credit score had dropped 20pts. As I looked to investigate the cause. I noticed an alerted stating a New late payment within the last 60days had been reported. I looked a little further to see from which agency it came from, as I know None of my payments are late, and it seems to be reported from an acct that was charged off a few yrs bck which does not have a monthly payment requirement. I then screenshot all of proof and filed a dispute. Only to get a response that the agency reported correctly. I am very upset with the decision as I dont think it was fair at a time like now to inaccurately drop my score 20pts for a late payment that did not occur.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MA)

I was sent a preapproval letter from Verizon for a Verizon card from Synchrony Bank promising a discount on my bill. I signed into my Verizon account. Applied for the card through the Verizon site. I have a VERY high credit score but was denied with the reason, " High risk source of application ''. 

I called and was told to reapply. Again denied. This time due to XXXX applications within XXXX days. 

So, Verizon sends a preapproval letter, I get rejected. Told to reapply and get rejected again. Bait and switch, unfair and deceptive business practices by both Verizon and Synchrony. 

All of this may have lowered my credit score.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX Bank is currently showing one late payment on Transunion for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX protected. XXXX is showing one late payment for XX/XX/XXXX which should be XXXX Protected, and XXXX is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be XXXX  Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with Transunion, XXXX, and XXXX they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.
Consumer complaint received 2022-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (VA)

The account was reported on XXXX on XX/XX/XXXX. On XX/XX/XXXX I paid the account in full under the verbal agreement that it would be removed from my account. 
It has been over 2 months and they have not updated this paid status to any of the credit bureaus.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NY)

I opened a credit card account with USBank ending in XXXX. I was the victim of identity theft last year and consequently have an ACH block on my bank account. USBank was prevented from pulling the funds in XXXX because they changed the previously provided Payee ID and that is how I whitelist ACH payments. This change without notifying me lead to the missed payment and it has made it very difficult to buy a house given this situation and the impact to my credit. 

Not only did they wrongly penalize my score with the bureaus, they also haven't report to the bureaus that I have paid this account in full and it is no longer late.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (KY)

Approximately XXXX I received notice of a debt for A credit card from XXXX XXXX from another agency out of Nevada. I have never taken out a credit card. I spoke with a representative and asked that proof be sent that this was taken out by me and a list of itemized purchases. I never heard from them again. On XX/XX/XXXX I received an email from my employer stating my wages were being garnished at 25 percent by midland credit management out of XXXX Michigan for an amount similar to the amount in XXXX. I have never received any communications from this company. No letter, no calls and certainly no notice of a court hearing. I was never served with a court notice. On the garnishment paper from the court there are two different dates. XX/XX/XXXX and XX/XX/XXXX. I was never notified by any person or court of collections or proceedings against me. Please help. This is not my debt and I was not aware of any action to collect this. Now my wages are being garnished {$270.00} a pay check.
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Coverages were confirmed that they were canceled by both third-party companies and funds were returned to the dealer. They have not sent the funds onto my car loan company, so Im still paying on things I dont have access to this is criminal I shouldnt be expected to pay for things that I dont have coverage for and the dealer after multiple phone calls and emails has refused to call me back. 
The dealer is XXXX XXXX XXXX Florida.
Consumer complaint received 2020-07-15
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. (MD)

On XX/XX/2020, I checked my XXXX  XXXX  XXXX  and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, XXXX, XXXX, and Experian. 

Thank you in advance!
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XX/XX/17 I responded to a mailer that I received from Citizens Bank to open up a Platinum Checking account and get paid a {$250.00} bonus for doing so. This offer was also online at the time. I went to my local Citizens Bank branch to open up the account, but was told that I had to apply online. So I went home and applied online. The fine print for the {$250.00} bonus stated that you had to make a single direct deposit of {$500.00} or more within 60 days of opening your first new Citizens Bank Platinum Checking account. So, I complied with this by having a direct deposit set up. The first direct deposit was credited to my checking account on XX/XX/17. I was supposed to receive the {$250.00} bonus within 90 days of opening up the checking account. When I did not receive the bonus, I called customer service at Citizens. They contacted their marketing department for me, and were told that I would not get the bonus because I did not enter an " offer code '' online when I applied for the checking account. I told customer service that there was never an " offer code '' associated with this offer, especially when I was online applying and entering my information. They said to email the " office of the chairman '' at Citizens Bank, which I did. After emailing that department, I received a phone call from XXXX XXXX at XXXX. She also tried to convince the marketing department at Citizens to pay my {$250.00} bonus, but they failed to do so. I am asking the CFPB to make Citizens honor their offer to me by paying the {$250.00} bonus that I earned by opening up a Platinum Checking account.