davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (SC)

Fact, affiant is aware and has proof in attachment labeled Exhibit A that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charged the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Carmax XXXX XXXX XXXX XXXX XXXX Carmax did not include my insurance in my finance charge. 


Fact, affiant was not given the option to include insurance into the finance charge, and was threatened by penalty of withholding the vehicle to provide proof of insurance before leaving the dealership. 


Fact, affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1611. Carmax XXXX XXXX XXXX XXXX d/b/a Carmax willfully and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable. 


Fact, affiant did not receive any forms nor received any clear or conspicuous disclosure of the right to rescind the transaction pursuant to 12 CFR 1026.23 ( b ) 1. See Exhibit C Notice, it is fact that affiant is aware, in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under the Truth in Lending Act. In addition, the creditor must clearly and conspicuously disclose in accordance with regulations of the consumer Financial Bureau. 

Take notice that I also revoke, cancel, and make void from the beginning all powers of attorney, in fact, in presumption, or otherwise, signed either by me or anyone else claiming to act on my behalf with or without my consent as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, " governmental '' departments, agencies or corporations on the grounds of constructive fraud, concealment, and non-disclosure of pertinent facts.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

I had a CD that matured and it was rolled into a savings account. The account was marked as " inactive '' and my funds frozen. I mailed Citibank the required information to unfreeze my funds and contacted them on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I was told that it would take 2 business days to get a response from the " back office '' and they would call me back. I have never been called back. The funds are not in dispute nor that they are mine. I need to receive the funds and close the account.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (TX)

Credit karma always send me reminder that i hace a new credit card fair approval. So make the application and i get denying and my high impact keep getting accumulated and my goal is to fix my credit not get it worst. Credit karma need to stop this.
Consumer complaint received 2022-10-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Reference XXXX
Consumer complaint received 2022-06-09
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. (NJ)

I am in disagreement with Equifax, XXXX and XXXX credit reports on my payment history. Specifically two credit cards XXXX. XXXX XXXX - XXXX, XX/XX/XXXX On XXXX 's end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report XXXX. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well 3. XXXX XXXX, XX/XX/XXXX I was XXXX XXXX XXXX but I never missed a payment.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2022-10-25
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: SYNCHRONY FINANCIAL (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : SYNCB/TJX XXXX XXXXXXXX  XXXX Date opened XX/XX/2022 Balance : {$320.00}
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AL)

Citibank runs promotional offers where you open an account and gets up to {$2000.00} bonus after terms were met. I opened an account using their promotional offer page on XX/XX/XXXX and deposited {$32000.00} to earn {$500.00} bonus. According to the terms of the offer, I had 20 days to deposit fund and 60 days to maintain the fund. Then after within 30 days, I receive the bonus in my account. I met all conditions by XX/XX/XXXX and I still dont have my bonus. It should have been deposited the latest by XX/XX/XXXX per the terms. I called Citibank customer service on XXXX XXXX since I didnt see {$500.00} bonus hit my account. The agent I talked to confirmed I met all conditions and should have the bonus deposited by then. He created an investigation ticket and told me to wait 5 business days. I didnt of course receive my bonus after 5 business days. So I called for follow up and other agent looked into it and told me it could take 7 business days and to wait. Of course I didnt get the bonus after 7 business days either. I called for follow up again and talked to supervisor. Again, no updates other than its processing and could take 10 business days. I have followed up 7 times and other than different answers on how long investigation takes, no help at all. 

Its been 3 weeks since I originally contacted Citibank about the promotional bonus that was already overdue at the time and still they have no answer. I have spent at least 7 hours on calls talking to different agents in the past 3 weeks and no help from anyone other than just it is in progress. I lost opportunity to invest the money I had deposited with Citibank because of them not meeting the terms. I finally took out my money on XX/XX/XXXX after confirming with agent that the bonus wont be impacted since I had already met all the conditions. 

I suspect this is a system bug and has happened to many customers of Citibank. Unfortunately bank isnt addressing the issue in timely manner and causing financial distress for the customers. Their customer service is in XXXX  and does not understand criticality of the issue or have any power to make decisions. Citibank does not have anyone I can talk to here in the US for this issue either. 

It has been so frustrating and time consuming. I think Citibank needs to be investigated for bad business practice like this where they run promotional offers but not follow through. 

I am attaching similar offer with this complaint Citibank is running right now too. Mine was exactly like this.
Consumer complaint received 2022-10-25
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. (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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 2022-10-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX D.O.B XX/XX/XXXX Date : XX/XX/XXXX CARE CREDIT / SYNCHRONY BANK XXXX XXXX XXXX XXXX, FL XXXX To Whomever it may concern ; This is about the consumer credit transaction initiated with your financial institutions executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 
The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above -mentioned Consumer Credit Transaction without giving me the opportunity to opt-out, your institution, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX XXXX According to 15 USC 6809 ( 4 ) ( a ) The term nonpublic personal information means personally identifiable financial information 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 Otherwise obtained by a financial institution Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
Therefore, as per literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your company admits that the company named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 
PuUnder5 USC 1681a ( d ) ( 2 ) ( a ) ( ii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if a company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my consumer report XXXX. REMOVE ALL LATE PAYMENTS If you accept my request, I will not escalate this matter to a federal complaint. 
Thank you for your attention to this matter Sincerely
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (NC)

Hello. I've had multiple phone calls about my rewards checking account bonus that I was told I qualified for after applying for the credit line and checking and doing 3 transactions. It's been more than 60 days, which is what I was told was the deadline. Please have someone credit my account the {$500.00} I am owed. Thank you. XXXX, Account XXXX
Consumer complaint received 2022-10-25
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. (TX)

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX transferred to, XXXX XXXX account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX Account XXXX  XXXX XXXX, has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Consumer complaint received 2022-10-25
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. (TX)

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX transferred to, XXXX XXXX account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Consumer complaint received 2022-10-25
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. (NY)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I received targeted email and XXXX mailer to open a bank account with US Bank in XXXX XXXX. I met the terms of the requirement and have not been issued the bonus after the offer period was completed. US Bank has not provided adequate explanation for which transactions are considered qualifying and which transactions are not. The terms of the offer ( XXXX ) state that qualifying transactions include " Debit card purchases, Merchant deposits, XXXX credits, Wires credits/debits, Mobile Check Deposit and Bill Pay . '' Bill payments were completed from this account to XXXX credit card on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Bill payments to XXXX XXXX credit card were completed on XX/XX/2022 and XX/XX/2022. Bill payments to US Bank credit card were completed on XX/XX/2022 and XX/XX/2022. 

I have received a response that only two transactions qualified. I am seeking clarification on which two transactions those were, and why the others were excluded when they are all clearly Bill Pay transactions.
Consumer complaint received 2022-09-30
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: AES/PHEAA (IL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CA)

I changed bank accounts and per the website/app, they require that I contact them via an email form in order to update it. They also require auto payments. So, after attempting to contact the lender twice on XX/XX/XXXX and again on XX/XX/XXXX, they have yet to get back to me in order to give them my updated bank information resulting in : 1 ) NSF fees from my former bank 2 ) Fees from their own company for late payment/NSF 3 ) Hit to my credit score/credit bureaus How do I get this resolved and how do I get the fees reversed and credit bureaus contacted so that my credit is not affected by their poor service? Im just trying to pay my bill with my updated bank info!
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC (IL)

I purchased a vehicle from Carvana kept getting back-and-forth different information from different sales representatives about the purchase of the vehicle in the process of all of that they sent me the title to the vehicle now they want me to return it they are in multiple violations of UCC code also violated my rights
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States XXXX have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.