davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AZ)

I walked away with the car on XX/XX/2022 from XXXX XXXX XXXX. A day before that on XX/XX/2022 I was going to purchase the car, but the check engine light was on and I told them I would not be purchasing the car due to the check engine light being on and me being a XXXX XXXXXXXX, I needed a reliable car. They told me nothing was wrong with the engine or transmission it was just loose wiring. They called me back on XX/XX/XXXX and said that they had fixed the wiring and the car was good to go, a day of me having the car it broke down on me at a red light and completely shut off. Again they said it was something with the wiring and theyll get it fixed when I had took it back for them to fix it. After I took it back the second time to get it fixed two days later I was driving again and it shut off on me completely, so my mother and I took it back and demanded that I get another car or we will not be doing business with them any further. They said that a new car could not be given to me but that they will fix the incorrect wiring on the car for the third time, they claimed to have fixed it. Before It shut down on me completely I had to go get new brakes, so I went to XXXX XXXX And paid to get my brakes fixed with a credit card they offered me and once they fixed my brakes they told me that the dealership that sold me the car sold me the car with 0 % brake life and they are surprised that I made it here alive. After getting my brakes fixed and opening up a credit card with XXXX XXXX, my transmission went out completely around XX/XX/XXXX. That being the 4th time the car shut off on me, I had a mechanic come to my house to check the car and he told me that the engine was completely shot and the dealership I got the car from sold me the car with a bad transmission that only had a few weeks of life and hes surprised it didnt go out sooner. So I contacted the dealership and they told me that they would go half with me on all the repairs and I told them that I should not be paying for any of the repairs. They told me my warranty of 15 days was already up, even though I told them to fix the car many times during my warranty and they never truly fixed it. So I contacted Westlake financial letting them know that XXXX XXXX XXXX sold me the car with the transmission being out with 0 % brake life and they did nothing to fix the car when it was already having mechanical issues and that I could have lost my life many times in that car. All they told me I still had to make payments on the car and they came and repoed it.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (IN)

XXXX XXXX checking account was denied XXXXXXXX XXXX  checking account was denied Comerica Bank checking account opened on XX/XX/XXXX closed XX/XX/XXXX called XX/XX/XXXX and had issue resolved through fraud protection
Consumer complaint received 2022-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

On or about XX/XX/2022, CITIBANK received funds I had transferred to them from my personal checking account to fund a Citi Accelerate High-Yield Savings Account. Per a Citi acknowledgement letter, funds were received by them on XX/XX/2022 and available XX/XX/2022. 

The above account was opened in response to a Citi solicitation mailing ( personal invitation code XXXX ) to receive a {$300.00} bonus if funds were received within 20 days of opening a Citi Accelerate High-Yield Savings Account in the amount of {$30000.00}, and the deposit maintained for an additional 60 consecutive days - all of which requirements were met. 

Approximately five or so weeks ago, I contacted Citi to inquire about the status of the {$300.00} bonus I was entitled to for opening the account. ; was told it would take a few more weeks to process. 

On XX/XX/2022, I contacted Citi again to inquire about status of the {$300.00} promo bonus; was told my account was opened in the " wrong package '' (???? ). Citi representative said account was opened in a Basic package (? ) not an Access package (? ) which was the one available for the bonus dollars. The Citi representative could/would not give me a clear explanation of what they were talking about. 

To reiterate, my account was opened pursuant the above referenced Invitation number ( XXXX ), and all requirements complied with. I have made arrangements to close the account, but feel I am entitled to the {$300.00} bonus .Nowhere in the literature I received from Citi is there any reference to different " packages. '' This sounds to me like and bait and switch scam, such that I would not have expected of CITIBANK..
Consumer complaint received 2022-07-04
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX, Account # XXXX Collections : 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 an account without my written instructions.
Consumer complaint received 2022-06-09
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. (NY)

In accordance with the Fair Credit Reporting act 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 2022-09-26
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-26
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: EdFinancial Services (MD)

My XXXX credit report erroneously reports student loan accounts as open/never late with a balance, despite the accounts being closed. Both XXXX and XXXX have reported the accounts as closed. I have disputed the accounts and provided XXXX with notices from the student loand company that the accoutns are closed, however, XXXX continues to erroneously report the accounts. I have also contacted the student loan provider ( EdFinancial ) who is unhelpful, and simply repeats that I must deadl with XXXX directly. 

I have previously filed a complaint with the CFPB but following the companies responses, the CFPB simply closed the complaint.
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

In response to complaint XXXX, I made a {$12000.00} payment to Fedloan which still has not been applied to my loan balance since the complaint. Fedloan responded that it can take several weeks for the payment to show up, which is not a concrete deadline. The payment was an ACH payment which took one day to be withdrawn from my bank account. There is no concrete deadline or date provided to me at which point I should see this payment post. 
In response to Fedloan saying my payment was sent to aidvantage, aidvantage has no record of my payment and my loan balance has not changed since my payment on XX/XX/XXXX.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd (FL)

TransferWise blocked the XXXX CONSULTING AND SERIVICES account after a received transfer of about XXXX XXXX without any reason or explanation. There is NO ACCESS to the account nor the balances and they did not responded back yet. The money received is for a PREPAID service we need to deliver in part to some vendors and the operation has been unable to be paid
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

XX/XX/22 - my debit account was debited {$840.00} from XXXX XXXX, an account that I do not have. I filed a dispute with my bank and they provisionally credited my account back with {$840.00} while they investigated the account. On XX/XX/22, the original debit amount was reversed and taken from my account and the dispute was closed.
Consumer complaint received 2022-12-06
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: CL Holdings LLC (NV)

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXX C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2022-07-29
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 # 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 2022-06-09
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. (ME)

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1681 ( i ) - Procedure in case of disputed accuracy : States that if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (CA)

This is new information on this debt collector/ law firm that goes by Gurstel Law Firm PC. I attempted to settle this matter with this company by writing a letter to the XXXX XXXX XXXX. The letter was delivered to the front desk reception area or mail room at XXXX AM on XX/XX/ 2022, Tracking number XXXX. The letter i wrote pointed out a list of serious federal violations that the debt collector may be committing against me. XXXX XXXX 's debt collection/ law firm continues harass me about payment of a alleged debt I do not owe his company. Again, I never had a contract with this debt collector. But this company feels entitled to payment. Now the company is mailing threating letters to me in an attempt to extort money from me by threating to sue me if I do not pay. This is a violation of 18 USC 876. Gurstel 's Law firm claims they are attempting to collect a debt on behalf of XXXX XXXX which is a credit card company but pursuant to 18 USC 894 no person shall attempt to collect any extension of credit. Also, I made a phone call to XXXX XXXX on XX/XX/2022 around XXXX PM. I was connected to a representatives by the name of XXXX, I asked XXXX what was the status of my account and he says my account has been sent over to XXXX XXXX XXXX XXXX XXXX XXXX ) A XXXX XXXX XXXX. XXXX said this was the only company to handle my account. If a employee of XXXX XXXX is telling me he knows nothing about Gurstel Law Firm PC but multiple employees and attorneys at Gurstel Law Firm PC are saying they are attempting to collect a debt on behalf of XXXX XXXX. This sounds like it may be Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ). 

I've attached the threaten letter sent to me, saying Gurstel Law Firm PC will sue me if I do not pay within 10 days. I marked the letter for multiple violations please see attachment
Consumer complaint received 2022-09-26
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account  # 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 2022-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc. (CA)

Client services have been collecting {$180.00} for the last 2 years from my checking account to pay for XXXX master card. I never signed anything or talked to anyone either from XXXX or from client services incorporation in regards to this credit card, I did talk to them in regards to another card but in XXXX, client services stopped withdrawing {$180.00} from my account and I have attempted to call them several times because it was reported to all XXXX credit card company that I have not payed XXXX for 3 months, I called XXXX 3 times and all they tell me is that they dont have my account and I have to keep calling client services because they bought out my account, I really need help asap please as Im trying to pay and nobody can help me, thank you
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP (KY)

Collection agency is claiming my balance is higher than it is and I have been making monthly payments as agreed but the collection agency still shows wrong balance and that my last payment was more than a year ago. I tried disputing it with XXXX but the collection agency responded saying balance and payments they have been reporting are accurate when they are not.
Consumer complaint received 2022-09-26
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. (NJ)

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 need to be investigated and remove 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-26
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} DP OF XXXX XXXX Balance : {$28000.00} DP OF XXXX XXXX Balance : {$48000.00}
Consumer complaint received 2022-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I requested a lower payment with navient back when COVID hit. From XX/XX/XXXX through XX/XX/XXXX I would call to discuss lowering my payment as I could not afford to pay the loan amount any longer and all they would offer me to do is a loan forbarence due to COVID 19 and the 12 month hardship option and now work with me about lowering my payment. I have asked in XXXX to reach a settlement and Navient would not offer me one or lower my payment. I would receive threatening letters about legal action and still now offers to help lower payment
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

Consolidated student loan with XXXX XXXXXXXX XXXX  to qualify for PSLF I filed paperwork and it was accepted about 6 months ago .. 8 years of payment were not counted. I tried calling multiple times and they told me to just wait .. now loans transferred to Mohela and still not counted .. Mohela after multiple tries says unable to answer call in its voice menus.. How do I get my payment count updated .. get to someone at mohela for force a manual payment recount review?
Consumer complaint received 2022-07-29
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)

Hello. My name is XXXX XXXX. I was shocked when I reviewed my credit report and was saddened to learn that you somehow verified the disputed item 's below, electing to leave them on my report. These are accounts that is not mine and I have no knowledge of these accounts. 

The unverified items listed below 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 mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX