davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

Early in the loan payment schedule with Wells Fargo Dealer Services for my 2012 XXXX, I applied for payments in the amount of about {$260.00} to be automatically debited from my account. I triple checked that information for the company to respond to my request was accurate and checked that it provided and the right information so that they would not have any problems automatically taking the funds out of my account I repeatedly did this. In the many months since, not one payment has been automatically debited. The company unfortunately can not properly service the loan account. I would like my funds to be remitted and for the loan itself to be canceled.
Consumer complaint received 2022-08-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-20
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. (DE)

I submitted disputes and an FTC report for fraudulent accounts on my credit report. These accounts have not been deleted. 

XXXX & Equifax : XXXX XXXX {$120.00} XXXX XXXX {$170.00}
Consumer complaint received 2022-08-23
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: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX. I finished paying off my car loan loan to Kia Motors Finance. After I received the paid in full letter and the title for the vehicle. Kia Motors Finance continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from Kia Motors Finance demanded was {$1400.00}. When I refused Kia Motors Finance started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation Kia Motors Finance admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. Kia motors Finance has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

To whom it may concern, I have sent Ditech Financial LLC ( " Ditech '' ) five different letters on XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) to the designated following address ( given by Ditech ) where mortgage loan customers are requested to send any Qualified Written Request, Notice of Error or Request for Information : XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX per resolution letter submitted to me. 

Ditech finally sent a letter on XX/XX/XXXX to work out an option for a reinstatement and repayment plan along with a contact representatives name and number. I attempted several times to reach the person, left messages including e-mails to Ditech and have not received a response. 

I have not heard back and as of today, XX/XX/XXXX, and, the only correspondence I have from Ditech in regards to the request is dated XX/XX/XXXX in a letter stating that they would get back to my request as their research has not concluded. 
Again, I am trying to obtain a repayment plan for a nine ( 9 ) month period with an additional borrower to the account and with the understanding of moving forward with past-due amounts being spread over a set time frame onto the existing mortgage payments as inclusive of the monthly mortgage payment increase with future mortgage payments. The total due as of today is {$17000.00}. 

Moreover, I am trying to obtain information from Ditech so that this matter may be expeditiously resolved. I have made Ditech aware and reiterated information that they already have where they can send information inclusive of XXXX XXXX , phone numbers ( secondary contact person, etc. ) along with e-mail. Thank you for all your assistance.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (WA)

I keep getting relentless phone calls from what I'm sure is a psuedo collection agency named XXXX. The 2 phone # 's that call the most often are XXXX and XXXX. 
They have been calling my phone every day several times a day for the past few weeks. They started calling my family members as well. Whenever I would answer it would be dead air. When I let it go to XXXX they would never leave a message. When I would block my # and call them back to find out who was playing on my phone I would get a message that the call couldn't be completed as dialed. 

Today, I answered ( XX/XX/19 ) and there was a person on the line named " XXXX ''. 
Yesterday a " Mrs XXXX '' called my sister from the same # 's looking for me. 
" XXXX '' said to identify me she needed to verify my full name, DOB, and SSN, as well as address and proceeded to rattle items off and said that they had a collection for a Citi MC that had been assigned to them for me. Mind you, I have a credit watch set up and I have NO collections, no pending litigation, and have never had a Citi mastercard. 

I was threatened with not only negative credit, but also wage garnishment, and was told I was being sued for breech of contract, and that they were also going to place a lien against my house ... 
I told her they'd better remove my number from their list, stop calling me and my family and that I was reporting them and then hung up. 

These calls are a form of harassment and the CFPB should take action against these companies to the full extent of the law to protect consumers
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

Previous complaint submitted through your agency. ID # XXXX. 

Well 's Fargo credited a total of {$110.00} to my account on XX/XX/XXXX, but charged me {$71.00} for not paying the balance on my statement ( for XXXX ) I did not pay additional charges as these were the charges for late fees and interest that did NOT belong on the account. 

I spoke with representative XXXX, at Wells Fargo, this morning who says that the charge can not be reversed. To add insult to injury, if I were to pay the {$71.00} " other charge '' amount on the statement today, they would still add a {$40.00} late fee to my next statement for not including this amount in with my XXXX payment. I went over this with XXXX, via a telephone call that just ended minutes ago. She told me that if I logged in and paid this amount today, my next statement would be {$500.00}. ( My normal monthly payment of {$460.00} plus a {$40.00} late charge on a charge that wasn't supposed to be there in the first place ) What kind of interest or extortion is this with Wells Fargo? The late charges and interest were the error of Wells Fargo and now I am supposed to pay yet another ridiculous fee because the statement was already sent out? 

I want these charges removed from my account as this is fraudelent on their part. I had my windows replaced and have paid faithfully and on time every month. It is not right that they are charging me a fee on something that was their error.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

There seems to be something strange going on with this bank handling an issue with a check that was improperly filled out. The check was numerically written for {$260.00}. But, on the narrative section I mistakenly wrote XXXX XXXX XXXX XXXX. I noticed the error before my manager, who was the recipient. And, since she had not noticed the error yet, she was unaware of the problem. I was informed by her that they " posted '' the amount in the accounting ledger at the numerical amount. She asked me to ask the bank about the funds. At no time, that I'm aware of, did anyone ever tell the bank that they received the entire funds. Yet, I'm being told that someone put a notation on my account that they confirmed the recipient received the full {$260.00}. What's more is I'm now being asked to prove that they didn't receive the funds. As far as I can discern, that particular narrative began with one of their own customer service representatives. I've tried to explain this twice already. It's very insulting. The implication being made here is that I'm lying about my manager not receiving the funds. They can check for themselves to see if they were credited the amount.
Consumer complaint received 2018-09-20
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: Lending Club Corp (CA)

I disputed account through XXXX. I told them I never asked for an account, signed for an account, nor obligated myself in any way to an account with Lending Club. I further asked that Lending Club furnish me with any document signed by me which obligated me in any way ; and stated that I would then apologize for my apparent error and make amends. They refused, simply stated that the report was accurate and my dispute was declined. 

Wow! Things have certainly changed under the Trump Administration, but if it has come to the point where a company can arbitrarily contact Mr./Mrs./Ms./Miss private citizen and not only threaten to, but actually do, ruin their credit and attempt to extort money from them without having any proof that said person actually did, in fact, obligate themselves to the Company, then it is time for LEGAL ACTION. However, I shall wait to hear from you first.

I demand the following : 1 ) a letter of apology from Lending Club 2 ) deletion of the aforementioned erroneous credit reporting form all 3 major credit bureaus 3 ) or a copy of the proof where I signed, obligating myself to XXXX XXXX for this alleged {$19000.00} for account # XXXX allegedly opened on XX/XX/2017. They can't because NO SUCH DOCUMENT EXISTS. They are simply trying to take advantage of a XXXX XXXX Vet.
Consumer complaint received 2019-10-07
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: JPMORGAN CHASE & CO. (WA)

I had fraudulent charges show up on my Chase Sapphire credit card that someone made in store at various stores between XX/XX/2019 and XX/XX/2019 : REI : {$520.00} XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never been in these stores during the dates. My credit provider Chase investigated and concluded they can not determine if it was me or not so I am liable for all charges. Problem is they did not actually contact the stores or investigate anything, they simply determined I was liable without a real investigation.
Consumer complaint received 2022-08-23
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: LEXISNEXIS (TX)

Good afternoon CFPB I wish it didn't come to this I took the liberty of trying to fix the issue with LexisNexis Customer Center first before turning to the CFPB for help even though I have no formal agreement with them. 

On XX/XX/2022, I submitted a formal letter to LexisNexis Customer Center via certified mail the number is XXXX XXXX XXXX XXXX XXXX. 

In this letter I requested all original documentation and proof of my express written consent to Lexisnexis giving permission to share with non affiliated 3rd parties. Further I notified Lexisnexis my desire to opt out from my personal information reporting, in accordance with the Gramm Leach Bliley Act. 

On XX/XX/2022, it was confirmed that someone had been picked up at the post office on behalf of LexisNexis. As of now, XX/XX/2022, I still haven't heard back from the business. Nor have I received my LexisNexis report that i requested on XX/XX/2022 My financial reputation has been damaged, as a direct and proximate result of the actions by LexisNexis. These actions meet the essential elements of a libel lawsuit. I'm looking to the CFPB for help in getting a response from this company explaining why they are harassing me, violating the GLBA, and not complying with my request.
Consumer complaint received 2021-09-28
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: ALLY FINANCIAL INC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # :XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

Hi so I called Citi Costco and tried to fix the problem and couldn't get any results on XX/XX/2021 I applied for a Citi Costco card and got declined and was sent a decline application letter I know that I am the original creditor and that I can not be declined credit adverse action is for the denial of employment and insurance
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

XXXX AND EQUIFAX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE REMOVED.
Consumer complaint received 2022-04-16
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. (GA)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to Equifax being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, XXXX XXXX, and any other actual damages caused as a result of the failure.
Consumer complaint received 2021-09-20
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: CITIBANK, N.A. (TX)

I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021
Consumer complaint received 2019-10-07
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. (MD)

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus 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 these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Equifax. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Consumer complaint received 2022-04-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (AL)

I am in the process of refinancing my home in order to clear the 2nd lien on my property. I requested a payoff via the website, which REQUIRES you to acknowledge that you are a customer. I choose not to make payments to Real Time Resolutions because they are a collection agency and did not provide a service to me. They provide a service to XXXX XXXX XXXX aka Bank of NY Mellon. I put a disclaimer in the verbiage advising that I do not agree that I am a customer and would only allow them to reply to the email to provide the requested payoff information. I did not ever receive a reply with payoff information as they said in the response to my previous complaint. I did receive a payoff from the potential lender which includes XXXX XXXX in default interest which I am disputing based on information received XXXX XXXX discharge ( copies attached ). I am requesting an adjustment to the payoff. I am officially offering a settlement in the amount of approximately XXXX, less or XXXX if it discovered after research and validation that I owe less than XXXX or XXXX. Real Time Resolutions is attempting to collect an exorbitant amount that is actually not owed according to the attached documents and the verbiage disclosed herein said document.
Consumer complaint received 2021-09-28
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 — Problem with personal statement of dispute
Company: CBC Companies, Inc. (FL)

I received a letter of denial from XXXX  XXXX XXXX. In the letter it reads. Disclosure of use of information obtained from an outside source. 

The outside reporting agency is. CBCInnovis Consumer Assistance. This agency listed my credit worthy from XXXX, XXXX and XXXX. 

It states under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Derogatory public record or collection filed, length of time since derogatory public record. collections too short. 

I contacted CBCInnovis and I was told to contact XXXX, XXXX and XXXX. Non of what CBCInnovis report to XXXX XXXX XXXX is true. I received copies of my credit report and none of what CBCInnovis reported is on my credit report with XXXX, XXXX and XXXX.