davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (NV)

18 months ago I leased a vehicle in New York with US Bank as the lease holder. 

Recently US Bank sent me a letter informing me I owed them nearly {$600.00} more in sales tax because I moved to Nevada? and that the Nevada Sales Tax Department had sent them ( US Bank ) a letter attesting to this. I contacted the taxation department in Nevada and they confirmed not only did I not owe them any tax of any kind but they had not sent US Bank any letter stating that I did. 

The Nevada State Taxation Department subsequently Faxed a letter to US Bank informing them of this, that I in did not owe any Nevada tax on this leased vehicle ( I have a copy of their letter and attached it to my complaint ). 

US Bank subsequently debited money from my bank account without my authorization to pay for this bogus 'sales tax ' after I told them to stop auto debiting. They then promised me to mail the money back to but they have not done so and continue to send me letters insisting I owe the state of Nevada {$600.00} in sales tax. 

I have called US Bank Leasing department several times about this matter but the people in the department frankly have no clue about leases or sale tax and are of no help. 

I believe US Bank is attempting to defraud me. I need help
Consumer complaint received 2018-09-03
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: SYNCHRONY FINANCIAL (SC)

Never have received any bills in the mail so Ive never known what day my bill is due or Ive never received any online so I recently switched to paperless there are several charges up XXXX XXXX XXXX in Texas and I live in XXXX and they were also some XXXX purchases in late fees were on there and I never got a bill so how my supposed to know when its due to pay I dont believe I should pay the late fees if I dont get a bill. There is also a huge charge of {$360.00} or around that amount to someplace called XXXX. I didnt do any of them.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The Credit Bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : Equifax XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX and XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-09-03
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: EQUIFAX, INC. (OH)

I am concerned about the applicability and reliability with your latest examination as well as the overdue payments pertaining to this account and exactly how it is reporting on my credit report.
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NJ)

I had this card since college from XX/XX/XXXX-XX/XX/XXXX. This company removed me from credit protection, without me knowing, when I was sick and financially challenged, secondly, they decided to close my account when I wanted to set up a payment plan. I believe that this company is XXXX and the representatives just wanted to ruin my credit because I am XXXX and XXXX skinned. I was beaten and attacked and they did not care even after I told them. I needed a little more time to make a payment. I am ill and I need to have my protection plan reinstated. Please help, because this is the only major credit card that I have with a high limit. I think that they closed my account, however, I am ambiguous to the facts of the matter, currently.This company told me that I could not get into a payment plan until XX/XX/XXXX, now that it is XX/XX/XXXX, this XXXX man closed my account. I am saddened and heart broken. This company should seek new management. Why did he wait until a year to close the account? This is miles around the time when I could have been put into a payment plan.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MN)

Westlake financial services has stolen my Truck late Sunday night. I have XXXX dollars as my balance. I just paid on time XXXX on XX/XX/2022 as our agreement. Every month a pay XXXX on the XXXX. On XX/XX/2022 elven days after I paid my car note they stole my car. They tried to make me pay over a XXXX dollars for it back. Once I told them that I have in my checking account documents of me paying each month on time. They then said it was an computer glitch on their end. They will be returning me my truck. I still have not received my truck. I spent over XXXX XXXX dollars on my loan for the truck. Once they seen that I was about to pay it off they stole it. I called and reached out with them every hour on the hour about returning my truck and in the condition that it was in. Still no truck. Now they are blaming the tow company. I missing work hours to deal with problem. This was a scam and I want all parties involved to pay for it. Now I'm carless and stranded.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (PA)

We have a business XXXX XXXX, we have been directly affected by XXXX XXXX. We have a Chase credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made two payments in XX/XX/XXXX, one on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, Chase decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called Chase and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will XXXX  any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-07-21
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
15 U.S.C 1681 Section 602 A. States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXX XXXX  XXXX  ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX XXXX  XXXX XXXX ) is not reporting on any other credit report besides Transunion.
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

On XX/XX/XXXX my wallet was stolen. I then saw a unauthorized transaction for {$940.00} dollars for a XXXX transaction. I saw the charge and immediately got in contact with the bank to dispute the charges. I called to find out whats going on a couple of weeks later and they closed the investigation and is refusing to get my money back. I am so upset with this bank
Consumer complaint received 2018-09-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (AZ)

Re : Failure To Provide Debt Itemization Statement / Verification Documents To Whom It May Concern : This complaint is response to a conversation had with a XXXX XXXX representative on XX/XX/XXXX. XXXX XXXX has consistently failed to give an explanation of conflicting information concerning an alleged debt in the amount of {$860.00} placed on my credit report. 

I was provided two reasons by XXXX XXXX as to why the alleged debt was placed on my credit report as follows : 1 ) I am responsible for interest charges incurred from GAP insurance coverage 2 ) Auto loan payments were due post verification of total loss claim I was told by the XXXX  representative the GAP insurance coverage was contingent upon receiving the police report substantiating the total loss of vehicle. The police report was submitted via fax the next day after the vehicle was recovered in irreparable condition in XX/XX/XXXX. 

I was told by a XXXX representative at that time the GAP insurance coverage was in effect and that no further payment on my auto loan was necessary. Please note at no time in my correspondence with XXXX during this on going matter was I told the debt was the result of failure to pay interest on my GAP insurance until XX/XX/XXXX. 

I contend I do not owe XXXX XXXX the alleged debt in the amount of {$860.00}. I have kept detailed record of XXXX XXXX XXXX  repeated failure to provide an itemized record of the alleged debt. It is my contention that XXXX XXXX XXXX willful neglect of properly giving this matter the attention it deserves over a three year period has unfairly hurt my credit rating violating the following : Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ).

Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 

Based on XXXX XXXX XXXX own records your company is in fact alleging the debt is the result of interest incurred by GAP insurance. I am well within my legal rights to request specific documentation that would be pertinent to the alleged debt your company claims I owe.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (CA)

BMW financial > 5-7 years of credit history with BMW finance in good standing. 
ex-spouse crashed vehicle in auto accident and auto insurer ( XXXX ) did not pay off totaled vehicle. 
I personally adsorbed the debt and rolled into a new car loan during that time. I could not sustain the heavy monthly car payments > {$1200.00} per month. vehicle was re-possessed and sold at auction. 

adsorbent amount of money still owed on the loan and I have been unable to purchase a vehicle due to the reported outstanding BMW debt and poor credit .... 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Due to proven merging, or others with similar information or some entity deliberately creating a merging of information within the credit reporting agencies, I herein request that information be updated, deleted, and removed. 

Specifically in the listed name identification listed as XXXX XXXX XXXX, no lender or creditor specific to this consumer reports that name, but it is subject to the unfortunate merging process by merging what is XXXX XXXX XXXX, using the address of XXXX XXXX XXXX, XXXX, SC XXXX which isn't this consumer because his social security number is XXXX. and this consumer XXXX XXXX , the designated identification from the consumers issued social security card, and number which is XXXX reporting the names creates a unintentional reporting of inaccurate information, and inaccurate inquiries. This information was gained from a collection call from XXXX XXXX credit card, which indicated that the persons or person utilized XXXX XXXX XXXX, XXXX, SC XXXX as their mailing address, while utilizing the above stated social security number, which isn't this consumer. 

Based upon the existence of these facts, and the consumer desire to prevent additional merging of information, and credit reporting, I hereby state that the removal of the following information, and placing it where it rightfully belong, will subjectively and permanently resolve the problem. 

Public Record : belongs to XXXX XXXX XXXX, XXXX, not XXXX XXXX XXXX. 
1. XXXX XXXX 2.US Bankruptcy proceeding XXXX Additionally please remove address XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX , XXXX, SC XXXX, since it is apparent that the person or persons or entity using XXXX is using those addresses as well, and applying those addresses to this consumer creates the same likewise reporting, and merging.
Consumer complaint received 2018-09-02
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: EQUIFAX, INC. (GA)

I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management Inc reached out to me, behind the creditors, XXXX, back to call me so I can make a payment, and said I had NO option and no settlement even if this is or isn't my account. Now, I was told that I can make payments, and they will NOT add my account on my credit report, and I was a little skeptical but felt like let me pay something so I don't get in trouble ; but they also told me that I HAVE to pay and it will only be {$62.00} bi-weekly so they don't add it on my credit report. I am not liable for this debt with Midland Credit Inc and do not have a contract with XXXX. They do not provide me with the original application like I asked, so I want to get this settled so they can STOP taking my money out of my bank account. I did STOP the payments because something seems off about their methods so I want to get this resolved.
Consumer complaint received 2022-06-09
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: Affirm Holdings, Inc (GA)

AFFIRM INC has a card opened in my name, using my social, that is not mine. It is a fraudulent account. I found out about it when late payment began showing on my credit report
Consumer complaint received 2018-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NC)

On XX/XX/2018, I went to the XXXX, NC XXXX XXXX ATM, which charges no fees, to withdraw money. I used it twice, and was told by a gentleman that I needed to request a receipt, or the ATM wouldnt issue money. As always lately I request receipt from any ATM I use due to various issues with banks, and credit unions in the past. My second time using the ATM, I requested {$40.00}, but the machine gave me {$80.00}, so when I got home I checked my account online to find the withdrawal did take out {$80.00}, instead of {$40.00} I requested, but saw two fees totaling {$6.00}, for the ATM use by PNC Bank. Its federally illegal for banks, and credit unions to do this for an outside of network ATM to double charge, and in this case the ATM charges no fees, which means they have agreements with all banks, and credit unions to not charge fees! Please investigate this, along with my other complaints about XXXX XXXX, and PNC Bank back in XX/XX/XXXX-XX/XX/2018, because I only received {$60.00} back from XXXX XXXX for an old canceled account, and no money back from being overcharged for my service in XXXX, and in XX/XX/2018 my cellular phone was turned of, now both devices do not work at all, nor my old XXXX XXXX XXXX XXXX XXXX, in which under prepaid the customer owns the devices that are free, but XXXX XXXX states they have a right to turn of equipment if service isnt kept for six months. Also, PNC has charged me overdraft fees from these XXXX XXXX transactions, before their 5 day grace period starts for me to even be able to put monies in their bank to stop fees, even when I do I still get lied to, and charged, which messes up my banking, and monies on hand! PNC Bank owes customers for the early overdraft fees, and should be brought up on EEOC charges, because it makes the customers credit with Bank terrible, and for possible employment reasons PNC Bank uses this tactic to not hire! XX/XX/2018, I have a interview call from EEOC coming up, and please send this information to them, to be used in cases I previously filed with XXXX, FTC, CFPB, EEOC, OIG, OSC, and DOJ.gov, and include me on any court case proceedings? Thank you! From : Mr. XXXX. XXXX. XXXX XXXX.
Consumer complaint received 2018-09-02
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: Innovis (GA)

I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$96.00} Equifax : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016