davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CL Holdings LLC (WA)

A man showed up at my home tonight and handed my XXXX year old son paperwork saying Im being sued by Jefferson capital for a loan I took out in 2021 that was defaulted. 

according to the FDCPA, A debt collector can not discuss your debt with anyone except for you, your spouse, and your attorney. 

He handed the paper work to my son and said I was being sued for this debt, that in my opinion seems to violate the above. 

The paper work also states that Im not XXXX XXXX military, which I am.
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC (AR)

In XX/XX/XXXX, I was notified by the HR Department of my full-time employer that my pay would be garnished to satisfy a debt regarding paperwork filed by Lloyd & McDaniel on behalf of XXXXXXXX XXXX XXXX  The amount of {$280.00} was deducted twice per month during each pay period from XX/XX/XXXX to XX/XX/XXXX. The HR employee told me that the amount of the debt to be collected is {$4600.00}, which was the amount withheld from my paycheck over the 8 month period. I contacted the Payroll Department in XX/XX/XXXX as the garnishment was nearing completion to ensure that my normal pay would resume after XX/XX/XXXX. I was told that the debt would be satisfied at that time. After XX/XX/XXXX, my pay resumed and payroll records show that {$4600.00} was withheld from my paycheck and sent to Lloyd & McDaniel. I was thankful that this matter was resolved and relieved so that I can move on with my life. 

On Monday, XX/XX/XXXX, I received a letter from Lloyd & McDaniel indicating that they had sent the same writ of garnishment filed XX/XX/XXXX to a part-time employer. This writ of garnishment is the same as the one satisfied by payroll from my full time employer for {$4600.00}. It was filed less than one month after the debt had been paid by my payroll from the full-time employer. Additionally, Lloyd & McDaniel added interest fees to this writ of garnishment for {$260.00}. Lloyd & McDaniel have begun collecting money from my second employer, which is a part-time contract basis role. They collected {$130.00} on XX/XX/XXXX. This is clearly an overpayment as this debt was resolved in XX/XX/XXXX through my payroll from my full-time employer. 

I am greatly concerned that Lloyd & McDaniel are trying to collect more money than they are owed for a debt that has been paid as of XX/XX/XXXX. I am requesting that the writ of garnishment sent to the second employer be withdrawn and the employer be provided with instructions to discontinue withholding money from my paycheck. I have included the writ of garnishment filed on XX/XX/XXXX, which was sent to the second employer after the debt was paid in full to Lloyd & McDaniel in XX/XX/XXXX. I also want all overpayments immediately refunded to me.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To XXXX XXXX TRANSUNION : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MI)

Approx. on XX/XX/year> I bought an electronic visa vanilla gift card. Almost immediately my funds were stolen and I made a dispute. On XX/XX/XXXX I finally received an email from visa saying they approved my dispute. And in the email is says to contact XXXX if I had any questions or concerns. The same day I emailed that email, because within the letter of approval they had my old address. I emailed day of, the next, and 3 days later. With still no reply. 
I finally get ahold of them thru phone and they said they all ready sent the check to my old address. And suggested if I want the check to go open up their mailbox, I said no bc that is a crime. So thats twice my money has been compromised. So we change my address to my new address ( which I emailed to them at least 4 times ) they tell me to send a utility bill to their email for address verification. I did this. And got confirmation they got the email. Days go by, and I email them to check status of when I will get my check. No replies to emails. So I call again, yesterday, XX/XX/XXXX, to check the status. The agent tells me check has been processed and sent out. I ask them, to what address? They tell me an address on XXXX XXXX, when my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is the 3rd time my money has gotten compromised, 2 of those times DEFINITELY being their fault. Because they decided, instead of verify my address, being the SERVICE ADDRESS, since it is my utility bill, they sent the check to my citys municipality office where I pay my electric bill! Not only is that a third time being compromised, but it was supposed to be for verification of MY address, I gave them. So how can they be that irresponsible to literally mess up their own verification process, and verify an address I did not give them. Then I spent about 6 hours talking on the phone ( because they kept hanging up on me ) trying to file a formal complaint. Which they refused to do. And the floor manager named XXXX said he was XXXX and final step of escalation and there is nobody else I could talk to help me file a complaint. Because he said he can file other complaints but none of my complaints were eligible to file a complaint about. I asked him to let me talk to the operations team or the legal team or someone else because he was not helping. He just wanted to change my address a 3rd time and continue this flawed system of getting a victim his money back. 
Not only did they go against their own terms and conditions with time frames. They went against their core values. Being to work responsibly and work in a timely manner. My situation got handled with the utmost irresponsibility, as well as disrespect by getting hung up on many times and lied to and not being able to file a complaint. Visas whole line of work is money and they failed my money multiple times due to their negligence.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

I was working Monday morning XX/XX/year>, looked at my so-fi account and noticed there was no money in my checking account, all my money had been stolen. Contacted So-Fi right away and told me they couldnt do anything about the {$860.00} that were fraudulently stolen from an atm since the unauthorized withdrawal went through. I was not even provided with an alert that my card was being used in a different XXXX, or more so being completely wiped to {$0.00}. They filed a dispute, and did a more or so 24 hour brief investigation. They stated the card was being used at a cvs atm and whoever stole my money had my card and pin. No video evidence was provided or extensive investigation. They pretty much pointed out the obvious on why I called to dispute the unauthorized withdrawals.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Bank Threeweeks ago, my XXXX XXXX  account was hacked and the bank immediately locked my account. As a result, payment of my credit card was returned to Wells Fargo. I have since established a new account with XXXX XXXX  and attempted to pay my Wells Fargo credit card bill. Wells Fargo refused my payment. I have made four phone calls to Wells Fargo in an attempt to resolve this issue. They informed me that I must fax proof of my ability to pay in order to reinstate my account. I explained that I do not have access to fax. They continued to refuse my payment. In the meantime, they are charging me late fees. This is unethical and dishonest. This whole incident has been stressful and draining. I am XXXX XXXX and living on XXXX XXXX . Thank you.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent a debt validation letter several times to XXXX XXXX to validate the information it has placed on my credit report. 
I also disputed with the XXXX primary credit reporting companies XXXX, Transunion and XXXX to have this item removed from my credit report. 
I am writing to formally dispute the accuracy of certain information on my credit report. According to my records, there is a negative item that has exceeded the statute of limitations for reporting, and I request its removal. 
The specific item in question is an installment payment account XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

I have had a Chase Freedom Credit Card for over 20 years. It was in good standing. 

I received an email that they were closing my account effective XXXX XXXX XXXX with no reason given. They said I would receive a letter with explanation and if I had any questions, to call the number in the email. I received the letter via XXXX and no reason or explanation was provided. So I called the number provided in the email. They could not give any reason for the closing of the account. They further indicated that I could never apply for a credit card with them in the future. 

I have a credit score that was over XXXX till they closed my account which does not look good on my credit score. So my score dropped to below XXXX. 

I would like to know what I did wrong or is this some sort of glitch. If I did something wrong I want to fix it so that I do not have issues with any of my other credit cards that are all in good standing. Like I indicated I have a good credit score and worked hard to maintain good credit. I feel like I'm being target with no reason or explanation. I put myself through school and held positions with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am a professional with a XXXXXXXX XXXX XXXX, with an extensive financial portfolio, own my own home, and raised XXXX kids who I put through college. 

I have an email that I can forward and letter that I can send at a later date after I have scanned it in.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This account XXXX XXXX has been purchased by a THIRD PARTY DEBT COLLECTOR. 
This account MUST be DELETED as the status is not correct, the amount is not correct and account was paid for less than owed by the THIRD PARTY DEBT COLLECTOR. 
As you can see by my attached credit report this information is not correct and not ACCURATE. There for it must be DELETED IMMEDIATELY. 
How much did the collection company pay for this alledged debt? I do not know and neither does my credit report reflect such amounts. 
This is a clear violation of the FCRA as this is not accurate or complete DELETE this immeiately. Delete XXXX XXXX XXXX.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rushmore Service Center, LLC (LA)

The responded to my first complaint on XXXX. This response was not satisfactory. I followed up on this complaint XXXX, still not response. The company provide the follow for this request. " For LNDR PAID EXP DISB please provide a complete description for what these disbursements are for, description of services provided and to whom the payment was made. '' the company provide the following.

Corporate Advances The following fees have been assessed to the account due to the foreclosure action. These are fees paid to external third parties and will not be waived or refunded.

Sheriff Costs {$2000.00} Foreclosure Fee {$1900.00} Title Examination {$230.00} Posting Costs {$1000.00} Total {$5200.00} I have requested payoff statements and I have 3 conflicting statement. The company stated that the payoff statements that they provides may not reflect the actual amount owed, and when you call them they state the amount provided may not be correct.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (FL)

I had a car loan with CarMax, which I paid off back in XXXX. It was overpaid by over {$200.00}, and I also cancelled the Gap Insurance and was supposed to be refunded over {$500.00}. I have called the company numerous times, and they always reassure me that I would be getting my check in the email. Unfortunately, this has not happened even though I have checked and rechecked my mailing address with Carmax.

I want to receive my money back. This is unfair and predatory lending. They used to charge me high interest rates when I had an active loan, and I was ever late the fees assessed to my account were outrageous. They can keep and retain your money but if you owe them, they charge you a lot.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NY)

XX/XX/XXXX : Returned payment fee of {$41.00} XX/XX/XXXX : Payment reversal of {$3000.00} ( They said the corresponding account in which I paid from was closed. This is completely false ). 


XX/XX/XXXX : Returned payment fee of {$41.00} XX/XX/XXXX : Payment reversal of {$2000.00} ( They said insufficient funds which is completely false ). 

XX/XX/XXXX : Payment reversal of {$1900.00} ( They said insufficient funds which is completely false ). 

XX/XX/XXXX : Returned payment fee of {$41.00}. 

XX/XX/XXXX : Returned payment fee of {$30.00}. 

*There were other returned payment fees for payments that should have 100 % gone through in XXXX but I convinced them to reverse some of the fees because there was no explanation as to why I couldnt make payments. 

XX/XX/XXXX : Payment reversal of {$300.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$300.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$600.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$100.00} ( Reason was insufficient funds which was completely false ). 

I have always called the credit card company to ask why this is happening because its maddening, I always pay on time, I always use correct account numbers, I always use accounts that are adequately funded thousands of dollars more than the payment I am making. They have said insufficient funds and they have said the account youre using is closed. These are complete untrue statements and at this point they are stealing hundreds from me in these fees.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Grow Credit Inc (TX)

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC
.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (TX)

RE Account Numbers XXXX CarMax, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated
third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved