davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Lendsmart, Inc. (CA)

I am writing to formally express my serious concerns regarding the repossession of my vehicle under the contract dated XX/XX/year>, despite the fact that an arbitration agreement is associated with said contract. This letter serves as a stern demand for a full and detailed explanation of how the repossession of my vehicle was conducted in accordance with the arbitration agreement. 

As per the terms of the contract, any dispute between the parties should have been resolved through binding arbitration before any action could be taken, including repossession and or sale of the vehicle. I have not been notified of any arbitration hearing or proceedings related to this matter. Therefore, I demand that you provide the following information, without delay : 1. **Confirmation of Arbitration : ** Please present proof that an arbitration hearing took place in accordance with the terms of our contract. This should include details on the date, time, and location of the arbitration.

2. **Notification Process : ** Provide a full explanation of when, how, and to whom any notifications of the arbitration hearing were sent. I demand verifiable evidence of the methods and dates by which I was allegedly informed of such proceedings.

3. **Compliance with Contract Terms : ** Demonstrate how the arbitration process, if conducted, complied with all the specific terms of the contract regarding dispute resolution. Additionally, outline the reasons why repossession was initiated without prior resolution through arbitration, if no hearing took place.

This letter constitutes a formal demand that you provide all requested information within 10 business days of receipt. Failure to comply with this request will leave me no choice but to pursue all available legal remedies, including but not limited to, initiating litigation for breach of contract, wrongful repossession, and any damages incurred as a result of your actions. 

I trust that you will take this matter seriously and provide the requested documentation and explanation promptly. I look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (GA)

I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a major XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 

Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.
Consumer complaint received 2024-07-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (TX)

XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectoXXXX I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2024-06-09
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)

I recently reviewed a copy of my credit report and noticed I have incorrect addresses and names on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses and name from my report, they are hurting my ability to obtain credit.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (NJ)

I disputed a inquire on my credit report that was made fraudulent with out my permission, I included a dispute letter and Identity Theft report which Equifax stated it will stay ( bc its factual ).
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

We have done business with Capital One for a long time and never had any problems .... until we did. My husband has been fighting with XXXX for his XXXX benefits following an accident that left him without the use of his arms. This process took 3 years. He was finally approved in XXXX, 2024. He was granted full favorable decision and back pay for the 3 years he couldn't work. Back pay was issued via check for {$49000.00} and we deposited it into our Capital One Checking account via ATM at the Capital One XXXX on XX/XX/XXXX. We knew that there would be a reasonable hold because of the amount. At most we expected 3 day. NOT 2 MONTHS! 
On XX/XX/XXXX we both received an email to call the bank, funds frozen until XX/XX/year> for suspected fraud. We finally were able to speak with a supervisor/investigator he said they couldn't verify the validity of the check. The {$49000.00} check from the XXXX Treasury. He said that he " knows '' the check is fake and we are committing fraud and threatened legal actions ... jail. I find it hard to believe that they don't have any way to verify this check. I used the online verification system on XX/XX/XXXX and I called the Treasury myself and the agent verified that the check was paid/funded on XX/XX/XXXX. The check cleared and still Capital One would not release the funds. After much fighting and getting help from our Senator the funds were made available. Fast forward to XX/XX/XXXX and I had a declined charge. Back on the phone with Capital One because the account is frozen... again. More fighting and the next day they were available ( no explanation or apology ). Fast forward to XX/XX/XXXX and the account is frozen again. I got on the phone with Capital One again, they were all very rude, accusatory and once again told us we were trying to commit fraud and threatened legal actions. I spoke with many people and everyone has a different story. They told us that my husband has to prove that he is XXXX to Capital One. One said the IRS told them it was fraudulent. One said they still haven't verified the check. The one that was paid/cleared on XX/XX/XXXX. Multiple phone calls, crying, begging and we can't access our funds. I can't access the funds either because it's a joint account. All the bills we paid are electronic transactions. This means they are all going to be declined and then we have the fees. It's really stressful. 
My husband 's first monthly benefit was direct deposited into the frozen account. 
This never should have happened. The accusations, the lack of professionalism, terrible customer service, illegal holds of fund 's for absolutely nothing. Capital One release the funds.
Consumer complaint received 2019-10-14
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. (NV)

i have submitted a fraud identity report from the police department as well as a FTC Idenity theft report I also uploaded documents via CFPB portal to all 3 credit bureaus advising that these 3 medical accounts are not mine I submitted my health insurance card and also my XXXX visa card with over XXXX for medical expense I have been insured for over 6 years with the same health provider. these are not my medical accounts and I want these items removed ASAP if you r bureau has already removed please disregard. please review recent documents submitted by the CFPB in refrence to these accounts XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-02-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION (TX)

Around XXXX Regions Bank Opened Several Checking, Savings, and 2 Credit Cards and 2 Lines of Credit in my name without my consent. These account 's were all opened online, and I guess in branch with Stolen Identification at the time, and a Forged Signature. I have never applied for any Regions Bank account 's and or services. I had to file bankruptcy in XXXX because of being a victim of identity theft. The Identity Theft had gotten out of hand. I have tried to resolve this with Regions already but Regions closed the accounts, and Did not remove the credit account 's or bank accounts from my name or my information. When I tried to open a Regions bank account this year it tells me I already have an account. I have never had any accounts with Regions bank. Someone stole my identity and opened these fraudulent account 's, Online and I am guessing in Branch I am not sure. My Identification Drivers license does NOT Match what Regions bank has on file, Because again Regions Bank opened these accounts Fraudulently. Someone stole my identity and used it to open accounts with Regions Bank, with a Fake Email address, and Fake Address. I have never lived at the address Regions has on file. I never signed any account agreements, nor did I sign any loan distributions or any documentation for Regions. I have never received any Account Documents, I have never received any debit cards or checks, nor have I received any service or merchandise nor have I benefited from these accounts. I have tried Addressing this with Regions. The phone number they have on file does not match my phone number, My address does not match, my information does not match. However they have these fraudulently opened account 's linked to my Social Security Number. Regions Bank charged thousands of dollars in overdraft fee 's to these accounts, and Used the Line of Credits for Overdrafts I assume. I did not receive any statements so I can not confirm or deny. However I do know I should not be responsible for something opened fraudulently, that I have not responsibility for. Regions should be held responsible to provide monetary relief for the damages they have caused to my identity and my overall credit health. Regions Bank has caused me financial harm, by opening said accounts without first verifying any identification. Regions bank did not clear the extended fraud victim statement on my credit files before opening these accounts either, and at this point regions bank has caused me financial damages. I am seeking Monetary Relief for the damages caused, and Regions Bank should resolve the issue.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/year> I sent {$1000.00} to a individual whose username was XXXX XXXX with the cash tag $ XXXX via cash app. I believed that was goin to provide me with XXXX writing services. After further research into the individual I learned that their service was a sham and requested my money back. When the individual refused to refund my money I followed up with a police report and provided this information to cashapp customer service. They were unhelpful and claimed that the could not recover the money an basically to just be more careful when I send money next time. My conversations with cash app customer service occurred from XX/XX/XXXX to XX/XX/XXXX with no acceptable resolution. I have attached screenshots of my conversation with customer service.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an consume informing on is found to inacurate or in complete or anot te eried, e file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; andil ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Barton Law Group, LLC (MO)

As of XX/XX/XXXX, this creditor has attempted to garnish my wages from a judgement from XXXX. I was never given the correct notice or opportunity to dispute debt. Only sudden garnishments from my wages. Ive called to reconcile and dispute this issue and has been unsuccessful. Even until now my wages are being garnished. Regardless of XXXX statue on evictions, which can only stay on my record for XXXX.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MA)

On XX/XX/year> at XXXX, I used a chime credit builder card, and I had to pay my rent on XX/XX/XXXX. I went to an XXXX atm and tried to withdraw {$360.00} to complete my rent money. And they had a time limit which was not even shown on the screen. So by the time I took the money the machine took it back. I called immediately, I made a dispute the bank denied it. I called again and again for two months now, I've been also contacting XXXX and CHIME and they both keep telling me that their claims are open and still waiting for the money. XXXX did their count they know they had my XXXX, yet they refuse to give it to chime to give back to me. I had to borrow money to complete my rent in XXXX due to this incident. And had to work doubles everyday to make ends meet for XXXX. I refuse to go through the same for XXXX. I NEED MY MONEY BACK, I'M DESPERATE!!!! HELP ME
Consumer complaint received 2019-10-14
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. (FL)

I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and XXXX  continues to allow them to report this as 60 days late when it is indeed paid in full and closed.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LEXISNEXIS (AL)

The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: DISCOVER BANK (KY)

I have a bank account in XXXX ( XXXX XXXX XXXX XXXX ) and this year I withdrew the deposits as they matured. I noticed that I have been charged carrying fees for my transaction. Discover bank says they don't charge for wire transfer. Discover bank uses XXXX XXXX XXXX as correspondent bank. I have asked them why the year there has been between about {$50.00} lesser in remittance. Discover says they don't charge anything. XXXX also says they don't charge anything. My question is who is taking this money from me without reporting? all this transactions are USD and not in rupee. So, there is not currency exchange fees either. Can you please help me solve this mystery as I have lost at least {$300.00} in international transfers so far.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

Chime closed my account almost 3 years ago and never sent me the {$20.00} from my checking account as well as the {$2.00} in my savings. i contacted them multiple times and was never able to get any kind of help or assistance and no acknowledgment was made of my money being kept from me.
Consumer complaint received 2021-04-16
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: TD BANK US HOLDING COMPANY (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-22
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. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.