davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

XXXX XXXX, XXXX RE : Swindling consumers selling broken cars just to take consumers money To Whom it May Concern : I need help from being abused-threaten as a customer buying a used vehicle on XXXX/XXXX/XXXX. This dealer, XXXX XXXX -Concorde Auto loan, promised my XXXX XXXX XXXX XXXX 2yrs warranty or 20000 miles or so for repairs or anything go wrong with the vehicle. 
When I actually took the vehicle home and drove this car, then dashboard warning lights come on ; such as check engine, service escape, motor lock warning, traction light, as well vehicle was hesitant to start up and go ; steering wheel hard to turn doing such a time. So, I first taken the vehicle to XXXX XXXX for repair on more than one occasion. They did not make any repairs each time keeping me 4-6 hours at their place of business to check the vehicle. Only later on claiming they were not able to fine anything wrong with the car. The staff then told me to take the vehicle and get a diagnostic check ran on it. Now I believed that was why I brought the vehicle to them the last time. I continue to make regular monthly payment. 
The XXXX continue to frighten me to a point of fear of being stranded. So, I had to take off work or spend all day as well as go on Saturday for them to not help or fix the car. When I complaint to them they told me again to take the vehicle for diagnostic, just let them know before hand. I gone as long as I tolerated this all the way up thru less than 6 months of owning this vehicle, while paying the car payment ; then I took the XXXX to XXXX XXXX. During this time I spent nearly totaling XXXX in repairs to get this vehicle running under 6 months owner. Okay, I got the diagnostic done and still paid car note and for repairs out of pocket. Originally I paid XXXX or so for the first part of the repairs needed. The staff at Concorde then moved a payment for me to the back of my note. The vehicle started to stale on me so I had to take it back to XXXX XXXX where I paid another XXXX or so for repairs. I can not afford to pay that kind of money for car repair and the car payment. I have vehicle insurance that do not cover this type of vehicle problem. I need the car to perform my job. I feel it only fair for Concorde to take off funds that I spent to fix the car from my note. I spoke with Concorde manager, who told me they moved a payment once and that they were not able to do it anymore for this XXXX car note payment. 
I can not afford to fix a car that I just recently bought and pay a car payment as well. I told them this and I let Concorde staff know that I would talk to my lawyer about selling me a lemon car and wanting me to pay for the car note and pay to have repairs fixed in such a short time of owning the vehicle. Please help me Please see the attached paperwork of this matter. XXXX/XXXX/XXXX recd threaten letter to accelerate debit owed. 
Confused=Mistreated consumer XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting 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. (MI)

| have disputed these fraudulent inquiries multiple times with Equifax and they kept ignoring my request. So, I'm filing a complaint against their company as they are hot taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (OH)

All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

My account with XXXX was sold to XXXX and I have since then paid the account in full. I would like for the XXXX account to be removed from my credit report. Its currently showing as a closed account. The XXXX account number is included in the document.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IA)

I have a Fraudulent inquiry from the home depot and i would like to get it removed off my credit report here is a list of the fraudulent inquiry The Home Depot XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/ Notified Regions Bank that I was locked out of my on-line banking accounts. 
XX/XX/ Obtained information identifying that my User ID had been changed without my knowledge. 
XX/XX/ Reset User ID and On-line banking password. 
XXXX  Notified Regions that my User ID had been changed without my knowledge and that I had subsequently changed my User ID and on-line banking password. 
XX/XX/ Regions Bank wired a fraudulent wire to XXXX XXXX XXXX in the amount of {$820000.00}. 
XX/XX/ XXXX AM XXXX - notice an {$820000.00} fraudulent wire transfer in my account. 
XX/XX/ XXXX AM, XXXX AM and XXXX AM - Called Regions Private Wealth Client Care Center at phone number on on-line banking website. Notified Regions of my identification of fraudulent wire transfer. 
Regions has completed their investigation, indicated that XXXX XXXX XXXX will not be returning the funds and Regions will not be returning the funds to my account. 
I do not remember ever sending an International Wire Transfer. I know I have never sent a wire transfer to XXXX. 
I don't recall a wire transfer of this magnitude from my account without further authorization and authentification.
Consumer complaint received 2021-03-11
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: Experian Information Solutions Inc. (TX)

Hello I had an Mortgage with XXXX XXXX from XXXX XX/XX/XXXX and the mortgage has been transferred over to XXXX , XXXX XXXX We made our last payment on XX/XX/2021. We made our first payment with XXXX XXXX on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of 50 pts. XXXX XXXX XXXX is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of XXXX XXXX XXXX. 


I can be reached at XXXX XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IN)

I have sent previous complaints regarding XXXX XXXX XXXX regarding them trying to collect the wrong debt amounts through XXXX. Now all of the loans, except one, have been referred to another collection agency ... XXXX XXXX XXXX in New Jersey. 

I sometimes could not directly contact XXXX XXXX XXXX, was given wrong phone # s, or given the name ( s ) of phony reps with wrong numbers. No one would return my calls, and the amount owed was/is always misrepresented. 

I have paid thousands of dollars dating back to XXXX, but was always sent statements reflecting the original amounts, as if nothing had been paid on behalf of or to XXXX XXXX XXXX. 

I sent you a complete file regarding XXXX on behalf of XXXX XXXX XXXX, but again, four of those five private loans have now been referred to XXXX XXXX. My original complaint should be XXXX. 

I hired a lawyer who arranged a " settlement '' of {$12000.00} payable @ {$510.00} per month payable to XXXX XXXX, which began XXXX XXXX and will continue through XXXX XXXX. Though on limited income, I have paid faithfully each month and continue to do so. Both my daughter, XXXX XXXX and I are to be released when the settlement to XXXX XXXX is paid. 

Perhaps there is nothing that can be done, or my situation may not be considered a complaint, since a " settlement '' was  reached, but I thought I should at least provide this information since your agency has filed suit against XXXX XXXX XXXX. 

I am still paying XXXX {$100.00} per month ( also on behalf of XXXX XXXX XXXX ) on one last loan of which the original amount of {$12000.00} has not never gone down. 

I am forwarding what I consider to be pertinent information. 

Thank you for your attention. 

Something has happened that I can not reset my password. I have tried several times. Please re-send that message to me so I wil be able to check the status of my complaint ( s ).
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

The practice by chime XXXX XXXX  is now lawful and legal. Because the definition for overdraft in the XXXX XXXX XXXX  is defined as Loan arrangement that enables individuals or businesses to borrow up to an agreed limit without prior approval. Overdrafts can be paid off at any time and interest is charged on the daily debit balance. Overdrafts can be? called? by a bank, usually in response to a fall in the borrower? s credit rating, the suspicion that the borrower may default on the overdraft loan, or when the borrower has not paid off an overdraft loan and it has become a? hardcore? debt. 2. The debit balance of a bank account where more funds have been withdrawn than have been deposited. The XXXX XXXX  for spotme is defined as is nor terminology states anything about a extended access to an overdraft program. Thus, being there are ambiguous instead of the policy and practice being unambiguous. an optional, no-fee service that lets members with an active debit card make certain transactions that overdraw your Chime Checking Account. I have attempted to resolve this by letting chime know that I have been receiving a XXXX dollars plus into my account since XX/XX/2023 and no direct incentives have been applied except a XXXX dollar XXXX not overdraft where I can overdraft up to XXXX dollars. An was denied. Customer satisfaction.
Consumer complaint received 2016-06-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation (CA)

I never received any documentation regarding my loan via email or mail. Every time I call to find out what I owe and how much will be taken out of my account I am told a different amount. I would like clear and documented information reguarding my loan. I took out a loan for {$500.00} and was charged {$150.00} for the loan. Two weeks later {$170.00} was taken out of my account. Although I was told on the phone it would be {$150.00} and then later told over the phone it was going to be {$160.00}. 

When I called today to inquire about the balance I was told that the balance was {$610.00}. And they would be taking {$160.00} out of my account in a week. The fact that I have no documention of taking out the loan interest and no documention of payments made to date towards the balance and remaining balance made me suspicious. 

I checked with the XXXX and consumer finance and could not get any information about this company Zoom to cash / Zoom direct. When I called my bank I was informed that the money was taken out of my account by Zoom Marketing. The use of multiple names, lack of documentation regarding my loan and failed attempt to legitimize this company has caused great concern. I am afraid that an illegitimate organization has all of my personal information and gained access to my bank account.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I informed Experian that they have made errors on my credit report and they have done nothing to fix it, no correspondence, Nothing!

Experian has unlawfully and willfully reported LATE payments and Utilization ( which are transactions and experiences ) to my credit and in accordance with the FCRA : 15 USC 1681a 2 ( A ) ( i ) : Exclusions - Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors Because Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, in light of this I am confused as to why you EXPERIAN are reporting late payments and utilization from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 
As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you EXPERIAN feel that said protection is not mine to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and utilization as well as statements showing that these payments were late, and documentation authorizing you EXPERIAN to report my utilization. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! And Utilization removed! Or remove it from my consumer report altogether.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I NEED ALL UNAUTHORIZED INACCURATE AND INCOMPLETE ACCOUNTS REMOVED NOW. I SENT OUT A DISPUTE 30 DAYS AGO AND HAVEN'T HEARD ANYTHING YET. My information was involved in the XXXX data breach and I ended up having unauthorized accounts listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/year>, I visited my XXXX branch to inquire about the XXXX imposed on my account, only to be informed that it is under XXXX due to alleged XXXX claims. I want to emphasize that I have absolutely no knowledge or involvement in any XXXX  activities related to my account. The fact that my account has been XXXX without any prior notice or explanation is deeply distressing. 
What is even more concerning is the timeframe provided for the investigation process. I was informed that I would not be able to access my own funds for XXXX XXXX days, and after that wait another XXXX XXXX days for a XXXX XXXX, which is an XXXX XXXX period considering my immediate XXXX obligations. As a XXXX parent with a XXXX son who depends on me for his XXXX needs, including food, transportation to school, and our XXXX XXXX expenses, this situation has put us in an incredibly difficult and precarious position. 
Furthermore, the XXXX placed on my son 's XXXX account, including his XXXX XXXX money, is not only unjust but also insensitive to the needs of an XXXX child. It is unacceptable that XXXX Bank has chosen to XXXX access to funds that rightfully belong to us, without providing any XXXX alternatives or XXXX solutions to mitigate the impact on our daily lives.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc. (CA)

I am a victim of fraud and identity theft people use my information on the dark web. They use my information everywhere. My social ID has been lost and stolen multiple times my family has used my identity friends have using it stolen and my information is out there Im making this report so I can show the credit bureau Im doing my part on my end Im also in the XXXX XXXX and I cant qualify for no bank account
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. XXXX claimed they never received this application. 
I started making payments on my loan in XXXX of 2020 after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with XXXX. 
XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a BPO valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. 
XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that XXXX/XXXX  now XXXX has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. 
Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing XXXX/XXXX  now XXXX can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because XXXX/XXXX now XXXX realized their old escalation process was completely ineffective and was damaging to their customers.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

This Case is about Wise Bank USA. In a nutshell, I received a phone call from someone posing as an official from the XXXX XXXX XXXX Supreme Court on the XXXX of XXXX using the phone number XXXX XXXX XXXX XXXX. They informed me that my employer had failed to pay taxes, resulting in penalties that would jeopardize my student visa. To make their scam convincing, they provided me with a fabricated case number ( XXXX ) and warning number ( XXXX ). They demanded XXXX from me, promising a refund from two solicitors who were supposed to meet me the following day. 

Regrettably, I fell for their elaborate XXXX  and sent XXXX to one solicitor and XXXX to another. Attached to this email are screenshots that serve as evidence of this transaction. Realizing that I had been scammed, I promptly contacted my bank on the same day ( the XXXX ). Unfortunately, my bank 's response has been less than satisfactory. Instead of immediately blocking the scammer 's account, they requested a police report, which I promptly submitted. However, they later claimed not to have received the report within two days, a delay that might have prevented further losses. I have included the email correspondence with the bank for your reference. They said as my Bank account is based in the XXXX  and not the XXXX, i can contact consumer financial protection beureau. 

I did open my case with the financial ombudsman in the XXXX but, they said since my account is in the XXXX, their judiciary can not help me recover the full amount or any at all and therefore i should come to you guys in the XXXX.