davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Oklahoma Motor Credit Company (OK)

I purchased the vehicle, ( XXXX XXXX XXXX ) from Oklahoma motor credit, or XXXX XXXX XXXX XXXXXXXX XXXX, around XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX, the vehicle was sold shortly after for a unknown amount to me as I wasnt made aware of the sell, I contacted them by call and they said they werent sure but I still owed XXXX, its now XX/XX/XXXX I received a letter about a summons for court, the person delivering it failed to sign it, failed to disclose who they were, and the summons says since the cars sale it has built up a interest cost at a interest rate of XXXX XXXX for the past couple months, I have not received any contact from them or any letter besides the XXXX handed to me, I called they couldnt tell me anything, the car was unfairly sold for a low amount that is under what the car was worth, it was worth at least a couple XXXX, but I do not even know when it was sold or for how much, its been XXXX months since the repo and it has built interest since then and I was never aware of this or notified I owed a deficiency since this is the first letter received in XXXX months I have had nothing, I am being taken to court for XXXX total due, and thats not including court costs, lawyer fees I have contacted my lawyer and I am pursing legal action against them but I refuse to pay something unless they prove they attempted to sell the car fairly, which I dont believe they sold it fairly, the car loan was originally XXXX I paid it off to XXXX the car was sold for under a couple XXXX, the XXXX XXXX was XXXX, thats including the repo on record and value I checked when it was repoed. And even if I wanted to deliver the letter which I have XXXX days to deliver it has no signature the name of the person delivering it and it looks very unofficial like they wrote it themselves, I would be fine paying it, if they made a effort to collect the debt which they did not as I havent gotten anything in mail since XXXX and I contacted them to no avail and had given up. The letter is also XXXX days late as the noted date is XX/XX/XXXX and its just now arriving so I am not even sure if I still have XXXX days since it may be just XXXX, and it says if I dont respond their will extra costs. Its been XXXX months since last contact.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

I had an IRA with the company XXXX, they moved my account to Citibank. Citibank never reached out or send any documentation on the account that had funds rolled over. Even though, they had my current address, XXXX, phone number, email, and full government name. I reached out to withdrawal the funds and closed the account. They told me I had to mail an application, identification, and address verification. I went into the branch to see if it was a quicker solution/process. XXXX of the branch members sent out all of the documentation XXXX months ago. XXXX weeks later I reached out to Citibank to get a status and to withdraw the funds and close the account. They told me they did not receive any documentation and I would have to mail it again, or fax it, or have the branch member reach out to them. I faxed it, and the branch member reached out to them. As of today, they are saying they still do not receive any documentation even though, I have the receipt of the fax successfully going through. They would not let me withdraw my funds and close this account. This has been the longest process I have ever had to go through with a bank and I just want my funds.
Consumer complaint received 2024-08-23
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: WELLS FARGO & COMPANY (GA)

I recently submitted a complaint against Wells Fargo due to them falsely reporting information on my credit report, after asking for a debt verification no information that I asked for was received, the paperwork provided does not bare my legitimate signature, I have no recollection of this account. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Wells Fargo Bank , N.A . ( WFBNA ) has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Wells Fargo Bank , N.A . ( WFBNA ) is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

RE : XXXX XXXX Dear BANK OF AMERICA NAME, I, the consumer and natural person, was denied credit by BANK OF AMERICA when I applied for a WHATEVER YOU APPLIED FOR. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by BANK OF AMERICA due to the response I received.

BANK OF AMERICA is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BANK OF AMERICA If BANK OF AMERICA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make BANK OF AMERICA NAME criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (NY)

Collection agency name : ACIMA DIGITAL FKA SIMP Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MD)

Company : PayPal : Problem : Communication made impossible. 
Date : XX/XX/year> I wanted to ask a question about PayPal Credit Card rewards. They have information about this on their website, but what it actually means is not clear to me. I wanted to give several examples of transactions and ask what the reward percentage would be for each example. 

I called the PayPal XXXX Customer Service telephone number on the back of the credit card, XXXX. The call was answered by a computer. It took several minutes of trying before I could get the computer to tell me that it would connect my call to a person. I don't recall the exact words used, but the recorded message indicated that it would be a while, but not too long, before my call would be answered. Then came the tactic to discourage one from waiting : A short musical phrase repeated several times, a message that the call was important to them, and would be answered soon. A pause, then a repeat of the identical music phrases and message. ( A way to encourage one to wait would be pleasant music with an occasional reassuring message ). 

After a few minutes shy of an hour, XXXX came on the line and asked if she could help me. I said that I wanted to get some information about the reward percentages. She said something about " cash account '' and then I heard no more. I said " XXXX? XXXX? hello? '' Then I waited. She never came back on the line. After quite a few minutes, the call was disconnected. I tried the " Chat '' service but it replied that it couldnt answer my question. I searched for an email address for PayPal but could not find one. 

It seems to me that this company should have an easy and reliable way that their customers can communicate with them. 

Perhaps your intercession could get someone from PayPay to communicate with me and answer my questions. 

Thank you.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> to remove all dispute remarks and comments from my credit and still hasn't been removed. Also, XXXX has dropped my credit by XXXX points as well. This causing me to unable to refinance my home. 

I've been given a confirmation # XXXX from them and the individual didn't remove the remarks. I received another confirmation # XXXX for removal and still hasn't been done. 

I've had no new late payments on account and they dropped my score. 

My other complaint is with Transunion. They haven't raised my score in months. No delinquencies
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

Loan is not accurate as EdFinancial indicates every month since XX/XX/year> that my payment is past due even when I have activated autopay. I have called the company every single month since XXXX to solve the issue and have to upload bank statements for them to clear it and this last month, even though I made the " past due '' amount the payment was not reflected and the past due amount has doubled.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NY)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-21
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. (MN)

I am bringing forward this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite several attempts to address this issue through the proper channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This letter is in response to your recent claim that XXXX XXXX XXXXXXXX has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. 
I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXXXXXX XXXX ), non-compliance may result in your liability for damages
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is a formal complaint regarding multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft, and my credit report contains numerous inaccuracies that should have been removed after proper disputes were submitted to the credit reporting agencies. The following information must be addressed and removed immediately in compliance with the law : Under FCRA 605 ( a ), credit reporting agencies are obligated to ensure that only accurate and relevant information is reported. Reporting addresses that are not mine constitutes a direct violation of this provision.These errors on my credit report are the result of identity theft, and under FCRA 605B, I have the right to block fraudulent information from appearing on my credit report. I demand immediate compliance with this section, and that all incorrect information be removed without delay.Additionally, if the credit reporting agencies fail to act within the 30-day investigation period as mandated by FCRA 611, I will be left with no choice but to escalate this matter, including filing a lawsuit for damages under FCRA 616 and FCRA 617, which hold agencies liable for willful and negligent noncompliance.