davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX, CA XXXX Original Account Holder : Honor Finance , LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX : XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under the VIN # XXXX are being disputed. Last time I spoke to your customer service team I was met with unprofessionalism and verbal threats of legal action for the debt. Legally, your representatives are NOT allowed to use these tactics when dealing with collections. The vehicle was purchased XX/XX/XXXX and financed by Honor Finance LLC, repossessed in the state of Georgia, and sold by Westlake Portfolio Management. Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system in or on the CFPB website. 

XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

I had duplicate charges from merchant XXXX XXXX XXXX, I filed a dispute and XXXX closed my account. I filed a dispute with Chime and Chime came back stating that the dispute was denied and that I did not provide enough information and that the merchant never responded to them. It is not my fault that the merchant never responded to them however I did respond with all information that they needed and I have sent in another request for rebuttal and they will not respond.
Consumer complaint received 2020-11-13
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: CarMax, Inc. (FL)

I have 2 accounts with Carmax, Account XXXX and Account XXXX. Account XXXX is being reported to the Credit Bureaus, while Account XXXX is not. This is a positive tradeline but because Carmax is not reporting this positivity, it is harming me and my credit rating. Carmax is choosing to only report the aaccount that is not in a positive standing and this is on purpose on their part to harm me. This second account is a positive account and the account I am referring to that they are not reporting to the Credit Bureaus. So their response to my first complaint is half assed and they did a poor job researching as they are not reporting this account at all to any of the credit bureaus. They submitted a copy of the account XXXX payment history but what about the XXXX account and its payment history and confirmation that they are reporting to the credit bureaus? They are just trying to manipulate this situation and violate my protection as a consumer. 

I am attaching my XXXX credit report for XX/XX/2020 and you will just see the 1 Carmax account XXXX but not the second account as I am requesting.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX & XXXX - two unauthorized ATM withdrawals for {$1000.00} each were made on my Bank of American EDD debit card. 

I filed a fraud complaint on the XX/XX/XXXX with BOA Fraud Department. After calling them back on XX/XX/XXXX, I was informed my claim was denied. Stating that I am at fault.
Consumer complaint received 2022-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

capitol one is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
capitol clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. captitol one also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

On XX/XX/2021 Citi Bank fraud department blocked my account even from me, they are closing my accounts and they have my whole Social security survivors and XXXX payment which they will not give me any kind of access to it. They seem to be targeting me for my XXXX status from what i have read threw it would appear that discrimination based on XXXX, race, or family status is in violation of federal regulations. The law could not be clearer to preserve federal benefits for their intended recipients, Congress provided that the benefits can not be seized as such seizures would result in the loss of subsistence funds. The statutes governing the distribution of these funds specifically states these funds are to be free from attachment. This happened after my online checking account information was stolen and the result was a mobile deposit being made for {$890.00} by a company called XXXX XXXX  i am a victim of both companies. I need my Social Security to survive and they said i have to go into a branch and get it. Well the nearest branch is XXXX miles from where i live they have all my money so how do i get there to do that? I am 100 % XXXX determined by Social security and other agencies and i can not get anywhere with Citi Banks fraud department that is located in the XXXX. So i have to resolve this quickly i have to pay rent i am facing eviction, my phone will be shut off all because they are withholding my monthly payment. Please help me.
Consumer complaint received 2023-03-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Stride Funding, Inc. (CA)

I attended XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. I began the course XXXX XXXX. I agreed to take this course because they offered a XXXX program option. This option gives you the opportunity to take the course up front with no cost and you pay the loan back as soon as you secure a job. The repayment amount is capped at a certain amount and you don't pay until you have the income to pay back the loan. This option was very beneficial to me because I didn't want to get any more student loan debt. 
During the course, I began to have housing issues which started to affect my attendance and school work. So after speaking with my counselors, I agreed to request a leave of absence. By accepting, I would be allowed to return to class within a year. I made this request in XXXX of XXXX. 
I reached out to XXXX ( enrollment counselor ) from XXXX through email in XXXX of XXXX ( within the time allotted ). Another representative from XXXX XXXX called and informed me that the XXXX program ( XXXX ) was cancelled and the only way that I can continue the program, I had to get a traditional loan, they wouldn't cover the complete cost just a portion. This was devastating because the XXXX option was the part of the motivation for me taking the program. Then to add insult to injury, XXXX failed to inform in advance of the cancellation prior to my attempt to re-enroll. So now I have to pay back this loan and I still haven't completed the course. When I expressed my frustration to XXXX XXXX, they just brushed me off and lied and said that someone would look into the matter, but no one ever reached out to me again. 
XXXX XXXX XXXX servicer was XXXX but it was later transferred to Stride. My current payment is due XX/XX/XXXX. I have attached the documents containing the proof of allegation made in this complaint.
Consumer complaint received 2022-10-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Asset Agency, Inc. (NJ)

I took out a payday loan with XXXX XXXX during the Covid pandemic. I could not continue to pay it off with the high interest and high payments. The interest they charge is far above allowable usury so I am not sure how this even happens? How do I know after making payments for as long as I did is the balance higher than the original loan amount? XXXX XXXX sold this debt to Global Asset Agency. These people have called me, my mother and my sister and threatened to come arrest me at work. They have sent several messages about pending legal action, warrants, and asking my address to come arrest me. They have also sent several emails saying there was a warrant out for me and even used a lawfirm paper head saying i had an active case. I called the lawfirm and learned that was a lie and that these people were representing themselves using the name of a big law firm to intimidate me. Now I see that Global Asset Agency has reported this on my credit report. When will this harassment end? This cant be Ok!
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.
Consumer complaint received 2023-03-30
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. (MA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

Re : Loan Number XXXX To whom it may concern or The Money Source Escrow Account Manager, On XX/XX/XXXX I found out that my homeowners insurance, XXXX XXXX XXXX, had been canceled on XX/XX/XXXX due to a non-payment but my account showed the proof that my insurance was still active. To confirm the coverage, I contacted your customer service on XX/XX/XXXX and spoke with XXXX and was told you did not receive any cancellation notice and that my coverage was still good until XX/XX/XXXX. Additionally I was told that 2 payments were made to XXXX XXXX on XX/XX/XXXX for {$2000.00} and XX/XX/XXXX for {$430.00}. Thus I was told no action needed to be taken at this time. XXXX also stated that she will follow up with my question by doing some research and get back to me, but I never received a call back so I put this information in writing and sent you an email on XX/XX/XXXX requesting an explanation as to why I was being told I had insurance when I didnt. 

Unfortunately, I never received a response regarding my question or a record of my insurance being canceled and now 8 months later, on XX/XX/XXXX, I am being penalized for a lapse in coverage which is causing my premium to double. 

To resolve the problem, I would appreciate an explanation of what happened to the payments made to XXXX XXXX and why you ( The Money Source ) never informed me of the cancellation. Why did it take this long or 8 months for you ( The Money Source ) to ask me to take action or to remedy the situation? Even when I called on XX/XX/XXXX, you stated that my insurance was still active with XXXX XXXX XXXX ( until XXXX XXXX, XXXX ) - so why did you provide me false information? I have lost trust in how you have handled my escrow account. This was your job to inform and communicate to me so that I could have done something about it. I could have gotten a new insurance so that there wouldn't be a lapse in coverage nor be penalized for it. 

Again, I'd appreciate an explanation and a refund of my premium for the lapse period, XX/XX/XXXX to XX/XX/XXXX and cancellation of the lender-placed insurance payment of {$2300.00}. Enclosed are copies of my records ( email and proof of your payment to XXXX XXXX ). 

I look forward to your reply and a resolution to my problem. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC (NM)

I believe Atlantic Recovery Solutions called my step mothers cell phone on XX/XX/2020 saying they had a business letter they needed to send me however did not identify who they work for and apparently have my cell phone number as they text on XX/XX/2020 me saying they had a legally required notice they sent to me which I have not received.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-29
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2021-12-17
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (MI)

I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.
Consumer complaint received 2020-11-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

im a victim of identity theft pursuant to FCRA SECTION According to 15 U.S.C. 1681c-2, I am entitled to request that you block the reporting of any information that is a result of identity theft. I expect that you will complete this request within the required timeframe of four business days. According to the Fair Credit Reporting Act ( FCRA ), Section 605B requires consumer reporting agencies to : Block fraudulent information Within four business days of receiving the required information, block any information in a consumer 's file that the consumer claims is the result of identity theft.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the days of XX/XX/1925 and XXXX, {$2400.00} was fraudulently drawn from my XXXX XXXX account all from different ATMs. On XX/XX/XXXX, {$1000.00} was withdrawn from my account from an ATM at XXXX XXXX in XXXX XXXX. On XX/XX/XXXX, {$980.00} was withdrawn from my account from an ATM in XXXX XXXX in XXXX and on XX/XX/XXXX, {$500.00} was withdrawn from my account from an ATM in XXXX XXXX. 

During these transactions, I had my XXXX debit card on me the entire time and was not in these areas. On XX/XX/XXXX, I discovered these fraud transactions and contacted Bank of America 's Dispute Resolution Services immediately where I opened a claim. I provided all of the above information and blocked my card. Upon review, they closed my claim on XX/XX/XXXX with no reason for denial stated in a letter. 

I have called multiple times to reopen the claim and have filed for reconsideration. I sent in a fax with evidence on XX/XX/XXXX that I was not in those specific areas those days including bank statements, photos and work emails. I could provide the evidence upon your request. 

I was told that my claim was escalated to management but still have not heard anything back and my account has not been credited. I called today and they told me my claim still has not been reopened. 

I filed a police report on XX/XX/XXXX to the Federal Trade Commission where I stated the above. My police report is XXXX.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.