davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/year>, I paid my credit card balance in full : {$780.00}, bringing my balance to {$0.00}. I have not used my credit card in the last 47 days and the balance remains {$0.00}. Wells Fargo did not update the credit bureaus with the correct balance until XX/XX/XXXX. Yesterday, XX/XX/XXXX, they falsely reported my balance as {$780.00}, despite have XXXX billing cycles pass with a {$0.00} balance. Their actions have caused me irrevocable harm as their yo-yo reporting dropped my XXXXredit score significantly and caused me to be unable to secure a home loan and may result in me being homeless by year end. I have never missed a payment and have a have been a loyal customer for years now. Their actions are unethical.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XX/XX/2023 I tried to use my debit card to do a purchase, only to find out that My bank of America account was closed, without notice. 
Without any explanation. After that I tried using my business debit card I was told that the was not authorized. So basically on a Friday at XXXX XXXX XXXX  I could buy grocery or gas nothing I was left with no money the bank locked me out of my bank account no access to my money. 
Then called the bank and 3 hours later after asking to speak to a manager I was told that all of my bank accounts will be close because of a banking business decision. 
I then went in to the bank on XX/XX/2023, I was then told that I would not have access to my money until the send me a check in XXXX. 
I pleaded with them to release mu funds so I can leave the refused. 
I need to pay my bills I am not able to do anything without money my business account no access. I could not conduct any transitions. to make an income. This is very disturbing. 
That a bank can hold on to my funds and put me in a very bad situation. I could function for days without money. I am single XXXX women with other way to make an income but to work for it. 
Please you help me to get my funds back.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. 

Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (TX)

I was scheduled to receive a cosmetic procedure in XXXX of XXXX by XXXX XXXX XXXXXXXX. I was FALSELY medically cleared for the procedure in XXXX XXXX XXXX. After XXXX XXXX came back showing that not only was I XXXX  AT THE TIME of booking, but the doctor also revoked my XXXX clearance due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company refused to refund me although this was within their refund policy. The refund policy states that if I became pregnant AFTER booking, I was ineligible for a refund but I was XXXX  at the time of booking. They attempted to force me to take a credit to receive the XXXX after XXXX 

Nevertheless, in the XXXX 's note revoking my clearance for the procedure he clearly states that I am not a candidate for XXXX XXXX regardless as my XXXX history states it will be unsafe. 

The original creditor ( XXXX ) sold the debt to TrueAccord and they unknowingly purchased a false debt. I NEVER RECEIVED THE PROCEDURE NOR WAS IT EVEN MEDICALLY POSSIBLY FOR ME TO DO SO. This is an extortion of money and a disgusting display of unethical practices. I supplied ALL documentation to both XXXX XXXX XXXXXXXX and Affirm in timely fashions. 

I demand they remove this from my credit report.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Upon booking a flight on XXXX XXXX I was offered a promotion involving a {$400.00} statement credit as well as XXXX miles once I spent {$1500.00} in the first three months of opening the card. As I have had issues with Citi in the past I called to verify the promotion to which I was told they had no record of this deal. So I emailed them a screenshot as well as a PDF copy of the offer as well the temporary credit card acceptance. After a few weeks and a few follow ups I had received no reply. So today I called to follow up and have been bounced around six different people in various departments all telling me it is another departments issue. The last representative, XXXX, tried telling me he saw the promotion on my account and I would have to wait up to two billing cycles to see the credit applied. As I didn't trust this I asked him to provide me confirmation which he said they were not willing to do. I finally demanded to speak to a supervisor, which they tried to deny me at first. I was firm and insisted on a supervisor and then while again waiting on hold, the representative came back and said the supervisor said this was another departments issue. At this point I am fed up and believe this was a bait and switch. If they will not help me correct this I will be cancelling the card. Upon researching this issue I see CitiBank has a long history of these tactics and this needs to be addressed.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (DE)

I am filing this complaint against CarMax for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability. 

Here are the facts : I paid off a car loan with CarMax in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
CarMax reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, CarMax acknowledged receiving the payment but did not correct their erroneous reporting. 
As a result of CarMaxs inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required. 
My disqualification for a home loan, crushing my familys financial plans. 
This reporting error has had catastrophic consequences for me and my family, and CarMax must be held accountable for violating my consumer rights. Specifically, CarMax has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. CarMax failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status. 
15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, CarMax has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation. 

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage CarMax has inflicted on me and my family. 

I have attached all documentation, including payment proof and communication records, to support my claim. 

I expect a prompt response and a thorough resolution to this matter.
Consumer complaint received 2024-10-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Solar Mosaic LLC (FL)

I'm the trustee of the estate this fraudulent loan was used for the loan application. As the trustee I hold title/Grant Deed and am the only single authorized persons to sign on behalf of anything regarding the estate/property in question. Solar Mosaic LLC approved a " Home Improvement Loan '' roughly around XX/XX/XXXX - Loan submission was XX/XX/XXXX. This loan had to abide by california and federal governing mortgage laws and proceeded with this loan without doing the first step of verfiying ownership. The contract states ( Use exact, full name ; do not omit, modify, or abbreviate any part of Debtors name ) This name does NOT match the Grant Deed - and the Grant Deed is clearly listed/owned/declared by a trust. The Certification of Trust is recorded public to obtain information beyond what was quite obvious. The loan documents establish Solar Mosaic LLC 's secured interest in the vested property. Loan processing should have caught this. Underwriting should have caught this. Solar Mosaic LLC sub-contracted a solar company called XXXX XXXX XXXX. XXXX pulled a city building permit with the city the estate is establish in, which the grant deed is recorded at. They acquired a permit, with the authorization of a fraudulent owner, a placed solar panels on a roof that isn't structurally sound. The roof was replaced in 'XXXX and the solar panels have a warranty of roughly 20 years. They also installed a new XXXX  - the house was build in XXXX and electrical hasn't been upgraded since. All electrical work must comply with the XXXX California Electrical Code, they'd have to rewire the entire house. There's no information provided that this was done and it was, it was done illegally and without authorization to make any adjustments. The borrower obtained this all by committing fraud and the companies involved failed to follow any basic compliance laws and regulations.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Acct # XXXX Subject : Notice of Dispute and Intent to Pursue Civil Liability under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681 Dear XXXX, XXXX, XXXX I am writing to formally dispute certain information in my credit report under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. and notify you of potential civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 


I found inaccuracies that I believe are in violation of the FCRA. The items in question are as follows : 1. The last activity reported is not consistent throughout the credit bureaus.

2. Vehicle was sold, no updated balance, is not consistent throughout the credit bureaus.

3. Times late not consistent throughout the credit bureaus.

Under the FCRA, This is grounds for removal. I am entitled to an accurate and complete credit report. Your failure to address and rectify these inaccuracies may constitute willful noncompliance, exposing you to civil liability as outlined in the Act.

I request that you conduct a thorough investigation into this matter and provide me with the results of your investigation within 30 days, as required by law. If you determine that the disputed information is inaccurate, please ensure that it is corrected or removed from my credit report.

Please confirm receipt of this letter, and I look forward to your prompt response to resolve this matter amicably. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Dave Operating, LLC (NJ)

On XXXX XXXX at XXXX I received a email about suspicious activity and how my account is gon na to be limited. Then at XXXX XXXX  when I logged into my account at Dave bank they then told me my account has been closed. On the same day I emailed the service email asking why my account was closed and when I'll be receiving my money. On the XXXX of XXXX I got a reply stating the policy on how no notice/reason needs to be given on why the account closed.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
PLEASE VIEW ATTACHMENT
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of account ( XXXX ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dept of ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US dept of educatio XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Karma (IL)

On XX/XX/year>, I applied for a XXXX XXXX credit card through Credit Karma. This card offer was marked with Credit Karmas {$50.00} Karma Guarantee, which promises {$50.00} if the application is denied. I fulfilled all application requirements and underwent a multi-step identity verification process as requested by XXXX XXXX. Despite completing all steps, XXXXXXXX XXXX  denied my application, claiming they " could not verify my identity. '' This denial prevented me from receiving the {$50.00} Karma Guarantee, despite having followed Credit Karmas guidelines and meeting all eligibility criteria. I believe that XXXX XXXX  denial reason was not valid, which suggests a possible issue with Credit Karmas investigation into my eligibility for the {$50.00} Guarantee.

I request that Credit Karma honors its {$50.00} Karma Guarantee as promised and clarifies the denial reason given by XXXXXXXX XXXX, ensuring that applicants who meet all requirements are treated fairly.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Gurstel Law Firm, P.C. (NV)

Im complaining about Gurstel Law Firm who is a collector. My XXXX  account loans were approved for discharge by the borrowers defense I filed in XXXX and was approved XX/XX/XXXX. Its now XX/XX/XXXX and my wages are getting garnished. I called XXXX who confirmed that I have no loans or loan balance any more and everything has been paid. They sent me an account summary once again confirming it. I never got any letters from this law firm about wage garnishment or and type of judgements against me. Ive called numerous times and keep getting the runaround and sent to voicemails after voicemails. Ive called so many times every day and am getting no where. Ive sent all documentation in providing my discharge approval along with proof of XXXX balance yet theyre still giving me the runaround and no answers to anything. Theyre taking over XXXX a month and I cant even pay my basic bills. Ive called federal education student aid and confirmed I dont have any loan balances as well and everything is paid and confirmed the borrowers defense was legit and I was definitely approved. Im at a loss of what to do at this point.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

My credit report states that JEFFERSON CAPITAL LLC, is trying to collect a {$270.00} debt from me that I do not owe. I have asked this company to produce documentation showing anything that gives them reason to state that I owe a debt to them. JEFFERSON CAPITAL SYST who now parades under the name JEFFERSON CAPITAL LLC were removed in XX/XX/XXXX by all 3 Credit Agencies and came back this XX/XX/XXXX to XXXX under the name JEFFERSON CAPITAL LLC. 

It's been 30 days since I've asked for proof of their claim. They have nothing to show. 
Below you will see what I've asked for but have yet to receive. 
DEBT VALIDATION REQUEST : *The contractual obligation between the consumer and JEFFERSON CAPITAL LLC which sanctions the pursuit of the purported debt. Include any pertinent transactions that bind me/the consumer to an agreement to pay their organization.

*Agreement bearing the signature of the purported debtor, indicating the commitment to repay the original creditor.

* Full, accurate social security number that may aid in correctly identifying me as the individual subject to collection efforts, accompanied by Proof of photo identification ( e.g., Drivers license, State Identification Card, or other government issued identification ) presented at the time of debt origination. 

*Date of last activity *Complete payment history, as stipulated by the legal precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. App. by line item, delineating details such as purchase date, itemized amounts, receipt of goods, and any pertinent information directly from the original creditor. 

*Documentation showing they are licensed to collect debts in Oklahoma XXXX 

JEFFERSON CAPITAL LLC A/K/A JEFFERSON CAPITAL SYST sits silent on all that's been asked, refusing to respond. I take their acquiescence as even more proof that this company is committing fraud and using credit score damaging extortion tactics to obtain money from innocent consumers who try and maintain good credit scores. This company needs to be dealt with severely and swiftly before they harm even more consumer credit scores for the sake of putting a little money in their pockets. Please help!