davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

In XX/XX/2019, my wife and I purchased a washer and dryer from Bestbuy using a CitiBank issued Bestbuy account. At the time of the purchase, we called the Customer service center because my wife could not remember her credentials to access the account online. They told her what the due date for the payments would be and helped her reset her account credentials. She then went to our banking site and setup a reoccuring payment from our checking account on the date she had been provided ( XXXX of each month ). 

Unbeknown to us, when she access her account online, it defaults the option to receiving electronic statements via email ( unless you uncheck a box somewhere ).

Out of sight, out of mind, a year passes and we never think about the account. It occurred to me when reviewing our bill pay, that we may need to check what the outstanding balance was on that CitiBank/Bestbuy account, as we had opted for an 18 month no interest payment plan. 

When my wife logged in, she was shocked to discover that each month since last XXXX, CitiBank had been charging a {$40.00} late charge for the payment being received on the XXXX, vs their now stated XXXX due date. So for 11 months, they had taken {$430.00} ( +/- ) in fees for a payment that they now claim was arriving 3 days late every month. 

At no time has a letter been sent, a phone call made, nothing aside from emails that ended up in a spam folder informing us ( since we had no idea we had been enrolled in electronic statements ), that a statement was available online.

When I called them, they curtly informed me that there is ZERO grace period, a single minute past their due date results in a late payment. They did offer very graciously to remove 2 of the 11 late charges that had been applied, which they did.

This is TOTALLY unacceptable and likely criminal. You force a change to electronic statements, then those who don't aren't aware don't even know they need to dig those notifications out in order to go download monthly statements ( because you aren't made aware that you have signed up ). This is deceptive practice. I would be VERY interested to see how much they are making by preying on the unwary and unassuming consumer.
Consumer complaint received 2020-08-16
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: CL Holdings LLC (MT)

i moved across the country and we lost all our id and papers a few years back and now getting lives back in order. we put in a change of address and did not recieve a bill or call
Consumer complaint received 2021-07-13
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 (GA)

I would like to file a complaint against the collector Lowes, LLC for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/2021 I requested Lowes, LLC to request validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay. In response, evidence was never provided. As result, I sent a second request on XX/XX/2021. In their second response, they did not provide any information that I requested such as the name, address, and telephone number of each person who personally verified this alleged account. I inquired about how they verified without showing any proof bearing my signature. 

As a result, I would like for CFPB to investigate this matter.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (TX)

I had a loan with Westlake Financial for a XXXX XXXX XXXX. They offered to settle the balance ( in writing ) for {$9700.00} if paid within 14 days from the date of the letter ( XX/XX/XXXX ). They did not mention the vehicle was still subject to repossession before that date. Never the less on XX/XX/XXXX the vehicle was repossessed at about XXXXXXXX XXXX XXXXXXXX. I called to find out why and received no satisfactory answer. Instead I was told i need to pay {$12000.00} inclusive of a repo fee. My father paid them {$12000.00} the morning of XX/XX/XXXX with anticipation of retrieving the vehicle that night per a conversation with XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in which he said they would send a release of lien within two hours. No Release of lien was sent Friday and the earliest appointment the XXXX XXXX had was Monday XX/XX/XXXX at XXXX. I waited until Monday at XXXX XXXX, went to retrieve the vehicle because XXXX XXXX said the release had been sent. I waited multiple hours until it was too late for the repo lot to release the car. I made multiple calls to XXXX XXXX wo affirmed the release had been sent at XXXXXXXX XXXX but since Friday it appears the release process has been an issue for all customers. Long story short the release still was sent and when asking to speak to a supervisor i was told it would be the same answer. My father told them with as many customers as he implies were affected the same way due to a purported system issue there has to be something that can be done. it fell on deaf ears.
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (OH)

I quickly checked on quicken loans- rocket mortgage website with out authorizing any credit check abilities. XXXX XXXX authorized there was a hard inquiry by said company. I did not authorize this and it knocked my credit score by 46 points. I was looking into buying a house and this will really mess up this process. Very unfortunate because I had no business with said company. They tried to call me at least 3 times before the credit check was done. I did not answer any of them, because I did not want to do business with them. This should not be considered a hard credit inquiry when I did not approve it.
Consumer complaint received 2021-10-02
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. (GA)

XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I've contacted the company and they did not give me any information. I've contacted EQUIFAX AND XXXX To remove these unauthorized inquiries from my credit report and they have not done it.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX My wife had to have a procidure and my regular insurance did not cover it and the Doctors office while my wife was there told us about Care Credit, So we proceded to give them our credit information for the procedures that came to {$3000.00} and when we finish were aproved and the terms as to there promo was 24 months payment of {$150.00} wich included interest for a total of {$3600.00}, During our payment Schedule in XXXX, we came in to the pandemic and care credit C/S call us to see if we wanted to take advantage of a one month payment deferment and we accepted and no mention of penaltys, We continued to make our payments untill XX/XX/XXXX and further, In XX/XX/XXXX, after making the payment we called Care Credit C/S because we notice that we had made all our payments and we should of had no Balance and they proceded to tell us that we had a penalty of {$2000.00} for not paying or making our last payment on time in XX/XX/XXXX All thought our last payment was to be in XX/XX/XXXX because they gave us a one month deferd payment as mention before about the pandemic.Now as mention ( Check off ) before above we have tried to resolved this with Care Credit and there BANK, with no success, We will try to attach our recipts and our payment records with this form if not we shall mail and hope that your office can assit us in this matter .. T/Y
Consumer complaint received 2020-08-16
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. (OH)

These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP.

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax is not following the FCRA concerning consumer accounts. My recent credit reports are still inaccurate. This now requires immediate attention. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am very concerned as this has made a tremendous negative impact on my credit reports. After speaking with XXXX XXXX and receiving a letter from them which is the collection in dispute, I filed disputes letters including the letter from the collection company to Equifax, XXXX, and XXXX that explains the accounts does not belong to me. XXXX and XXXX have removed XXXX XXXX  from my reports. I had reached out to Equifax XX/XX/2020 explaining these accounts listed from XXXX XXXX does not belong to me and is reporting inaccurate on my credit report. Equifax sends a report stating my dispute has been verified as accurate. I took the liberty of reaching out to the collection agency asking for verification of any sort to verify these accounts ( amount {$200.00}, amount {$89.00}, amount {$120.00}, amount XXXX, and amount {$160.00} ). A representative from that company stated they have no record and was not able to send any documents with my signature or anything that connects me to these accounts. I ask for a letter in writing. ( attached to this complaint ) XX/XX/2020 and the last report XX/XX/XXXX # XXXX from Equifax STILL is stating they have verified the accounts to be accurate. After receiving this last report from Equifax, it is very sad to say, no one is taking the time to truly investigate, but sending falsified automatic letters to justify their investigation. Some of these third-party collections agency are robbing people and scamming people and will not and can not send verifiable documents of any sort when consumers like myself ask for proof. I have asked Equifax through their website ( Myequifax.com ) to send me the paperwork that backs up their opinion and a detailed report that goes over Equifax procedures of their INDEPENDENT INVESTIGATION instead of reporting intentional inaccuracy on a consumer report. I have not received a response. Again, XXXX   and XXXX  have removed XXXX XXXX  from my reports. Equifax is the only bureau that is not abiding by the law. If this is not rectified, I will be moving forward to file a lawsuit against Equifax. I am filing my last complaint with the Consumer Finance Protection Bureau hoping this can be rectified.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

Synchrony bank cancelled two of my credit cards they had previously issued, which had both been paid to XXXX balance : my Guitar Center card and my XXXXXXXX XXXX card. 

I contacted Synchrony Bank and the reason they gave for cancelling my cards was poor credit and a low FICO score ; at that time I had 10 years of credit with ZERO bad marks and my FICO score was/is XXXX. 

Now Paypal is declining my use, and their customer financial transactions are managed by Synchrony banking. Their reasoning for terminate my 10 year relationship with Paypal is same reasoning Synchrony gaver me for terminating my credit cards.

The Paypal problem is having an adverse affect on my businesses. I will at times use Paypal ten times in one week. 

XXXX XXXX C.E.O. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IA)

got a duplicate charge by XXXX XXXX XXXX XXXX for an order originally deducted and shipped on XX/XX/XXXX. On XX/XX/XXXX, they posted the charge again. The money had already been deducted in XXXX clearly or i wouldn't have the items in my possession. The item s they say they just shipped are seasonal and not even available for sale anymore so the charge is clearly fraudulent. I file an unauthorized transaction dispute and call customer service and this guy XXXX says he needs to change my dispute to item not received. Well then they deny my dispute because of the tracking number the same tracking number from back in XXXX! This is a fraud loophole that has been used on PayPal and these instances are all over the internet of them denying fraud protection because of fake tracking numbers. To appeal the dispute i seek a running account balance and they arent providing one. This is illegal and they were already sued and the judge ruled they were violation of the law for not providing monthly statements with a running balance. They still arent abiding by the law. And this is so they can double charge and skim accounts, and both steal and reap transaction fees from fraudulent charges. They wiped my account and that caused an overdraft. They do not have my permission to debit my bank account but they did it anyway! This is illegal! Then today they froze my account and are saying they want my drivers license and bank statements and credit card info and SS number ; stuff they have NO right to see or mandate access to. I am the victim reporting fraud and they are making me out to be the criminal! I am trying to find a lawyer to take them on this is outrageous. i already live below poverty level and for them to do this to a XXXX woman who has nothing who has used them for two decades is absolutely abhorrent and they should have consequences. I want my money back and I will not provide them with any of that documentation and i want my bank info removed from their access. How can I get this done? 
They were just found guilty in a class action for some of this stuff like freezing accounts and no running statements three years ago, obviously they don't t care.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

I was in the United States XXXX and applied for a XXXX credit card to shop at XXXX XXXX. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher. 
These various companies added more than {$12000.00} to the original amount and the current Collection Agency - Transworld Systems , Inc filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop. 
Please help me checkmate this company.
Consumer complaint received 2020-08-12
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX   XXXX {$1000.00} XXXX XXXX {$550.00}
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

One of the major credit bureaus, Equifax, maintains a wrong record of my date of birth. The wrong data of my identification made me being rejected in many situations. As a real case happened in XXXX, I was unable to get Internet service from XXXX. I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store  manager replied it was confidential, they were not allowed to reveal it. I understand that your organization advises us to first try contacting directly involved company for resolution. But in my case, I really dont know which company to file complaint with. I wish you would be willing to offer help to me. Any help from you shall be highly appreciated.
Consumer complaint received 2020-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

XX/XX/2020 I submitted to CFPB Equifax had decreased my credit score 29 points for a credit card increase of {$3.00}. XX/XX/2020 Equifax corrected the error and increased my score 36 points. Today XX/XX/XXXX, they decreased my credit score 11 points for a charge on XXXX XXXX for an increase of {$45.00}. I am not using my credit card.I am increasing in my credit scores with XXXX and XXXX  but not Equifax due to bogus reporting. Attached is the XXXX XXXX transactions since XX/XX/2020. The only transactions are 2 payments. The card has not been used. Payment of {$5.00} and {$60.00}. They continue to decrease my score without validation. Who the XXXX runs this place. It's impossible to get a live person on the phone. 
.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

I transferred {$22000.00} from my XXXX account to my Wells Fargo account Friday almost XXXX. My wifes car is breaking down and she found a new one. I called XXXX and confirmed that wells received it around XXXX and we went to dealership. Along way I checked wells account and not there. Waited till dealers closed last night now its still not there. Its now been over 26 hours. On phone with wells and XXXX all morning. Wells kept me on hold for an hour then hung up on me, the XXXX from wells said they have no record of it nor would he provide a case or inquiry number. He also refused to transfer me to a manager. XXXX at least answered but wont even provide a confirmation number on transfer. Where is my {$22000.00}? My wifes car is almost dead