davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

I purchased a vehicle from XXXX XXXX XXXX  on XX/XX/year>. The loan was financed thru Westlake Financial Services. The interest rate is XXXX with payments of XXXX for 72 months. Now that I'm at the end of my loan. The amount owed is more that what the paper work states. My payment was deferred for 30 days due to the pandemic. I also changed my payment date to the beginning of the month instead of the XXXX of the month. I've never missed a payment and now that I'm at the end of the loan, I'm told that I owe XXXX. I've made every payment except when it was deferred for a month. The total loan is XXXX and if I've made a total payment of XXXX, why is my balance still XXXX instead of XXXX? They keep trying to tell me the amount increased because of the deferral. The loan was only deferred for one ( 1 ) payment and I never agree to an increase in my loan.. 

Please help XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NJ)

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-21
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 2023-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: United Built Homes LLC (TX)

Requested information to pay off homeXXXX Received first incorrect payoff statement-XXXX. This was incorrect because of the amount of interest due, an item called " Funds owed by borrower '', and because the amount of taxes paid by the lender. The lender is also the home builder and paid taxes on the property but paid them late which resulted in late fees. 

Since XX/XX/XXXX we have received multiple payoff statements. United Built Homes ( UBH ) has not responded to requests for an explanation of Funds owed by Borrower, has not stated if they will pay for late fees due to their late payment on property taxes, and on the most recent payoff statement, UBH has included insurance and property taxes with these disbursement dates : property taxes XX/XX/XXXX and insurance XX/XX/XXXX. We were told in email to disregard the insurance, but the most recent payoff statement does not reflect this. I have asked for documentation from UBH that the current year 's taxes have been paid and have not received this, and the county website ( last time I checked ) does not show these taxes as having been paid.

It is documented in email that I have requested accurate payoff statements multiple times. Further, I have sent two wire transfers dated XX/XX/XXXX and XX/XX/XXXX that when combined amount to the cost of the home with taxes that were paid for XXXX minus the late fee incurred by UBH, though UBH is including this amount in the payoff statement.

UBH is currently stating that they are refusing these wire transfers, but I confirmed, through speaking with my bank, that as of today those transfers were not rejected or returned. That money is no longer in my account and has not been since the dates listed above. However, UBH has not updated their payoff statement and we consider the most recent payoff statement to be inaccurate and to include interest and charges that we either have not received explanation for from UBH or is simply inaccurate.

Further, we do not consider the work on our home to be complete as outlined in our agreement with UBH and communication with UBH employees.
Consumer complaint received 2024-09-25
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 someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Revolut Technologies Inc. (NJ)

I attempted to wire transfer money from XXXX XXXX to Revolut on Tuesday XX/XX/XXXX. This is a transaction I have completed several times in the past. However, I still have not received my money from Revolut. They are apparently unable to locate the funds, even though I provided them with the Federal Wire Transfer Number. They keep saying there's an issue affecting US transfers but I do not believe them. I am stuck and stranded without money and have certain bills that must be paid with this money. I am very stressed out about it and I do not know what to do. Revolut keeps sending me XXXX messages but they are not taking any action. The money should have been received within XXXX minutes. Instead, it has now been XXXX days with no end in sight.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (NC)

You are on my credit, reporting that I owe you some type of money. I've never done business with you. How do I have an account with you on my credit report. I have not received any notice pertaining this allege debt I am unwilling to pay this debt. I am not wanting validation
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I have student loans that were originally being serviced through XXXX XXXX, but then moved to XXXX. When I entered repayment after my 6 month grace period, I was give inaccurate information about repayment options via phone on more than 1 occasion. While I did my own research and knew there were multiple repayment plans, XXXX  consistently told me that the lowest payment plan I could be on was the plan that capped my payments at 20 % of my discretionary income. Each time I called, I asked to enroll in a IDR plan that capped the payment at 10 % of my discretionary income and each time I was told by the phone representative that there was no such plan and that I was already on the lowest payment plan. This was false information. When I complained, they told me they sent me information about all the repayment plans. However, when I attempted to enroll in a different plan, I was consistently blocked by the phone rep who told me I was already on the lowest plan. 

As a result of being on this higher payment plan, I ended up making extremely high payments for the first 2 years of my repayment. I was eventually able to switch to the IDR plan. However, the 2 years of overpayment drastically impacted my ability and decision to stay in a public service role. I chose to leave public service because I calculated that I would not benefit from PSLF given that my monthly payments were so high. I made a decision to try and pay all of my extra income to my loan since I was under the impression that I would not benefit from public loan forgiveness ( my payments were around $ XXXX x 120 months = XXXX, which was higher than my principal balance ). Secondly, I decided that I should look for a different position outside of public service so that I could afford my loan payments. If I had been given truthful information from day 1 of my loan repayment, I would have stayed in public service and ultimately benefitted from PSLF. I would have had much lower payments so that in the end of my 10 year repayment period, there would be a balance left to forgive on my loans. 

I would hope to receive some kind of resolution to this complaint, as it seems like XXXX  systematically deceived borrows in this manner. Their practices have forced me to make decisions I would not have otherwise made about my life, where I live, and my career, and have caused huge financial burdens and stress.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (TX)

This is an urgent and severe message to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is in violation and have been warned that legal matters will be enforced if I receive absolutely ANY solicitations for a Collection on Debt via Phone, Email or Postal Address. 

XXXX XXXX XXXX XXXX XXXX is now in a severe violation of the following : 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692d - Harassment or abuse I am the original creditor that funded this private account with CITIBANK , N.A .

CITIBANK , N.A . has violated Anti-Trust Laws and has indulged in an Unjust Enrichment. Citibank has also written off a debt and has sold my information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

By way of false and misleading conveyance of languages within an agreement, this company has used my private social security number to access my Trust Account as I did not consent to. 

XXXX XXXX XXXX XXXX XXXX business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e.

There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any 1099 tax forms from CITIBANK , N.A . showing that this debt was cancelled. 

I am aware that XXXX XXXX XXXX XXXX XXXX buys debt. debt is an asset and it belongs to the original creditor. I am the original creditor. XXXX XXXX XXXX XXXX XXXX must return to me immediately this debt as it is against the law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. 

Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. XXXX XXXX XXXX XXXX XXXX has treated my consumer as an employee by using the SSN without proper verification required by submitting the SSN 89 form. I do not have an employer employee relationship agreement with this corporation. 

I do not consent to contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX as this entire matter was only between two parties XXXX XXXX XXXX and CITIBANK , N.A . 

I will be enforcing legal punishment for violations of Trust Fraud against CITIBANK , N.A . as a very heinous and severe violation of Anti-Trust Laws has occurred.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A. (FL)

Rosen and Pollack has not produced a response to production of documentation letter. Rosen and Pollack has violated my rights and I will like to enact 18 U.S.C. 8 of the Fair Debt Collection Practices Act. XXXX XXXX has also violated my privacy by contacting Rosen and Pollack without my consent to obtain information about my location, which is a direct violation of Section 1692c of the Fair Debt Collection Practices Act. This constitutes an unauthorized disclosure of my personal information and is considered a serious privacy breach.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> 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 : It also states a consumer reporting agency can not furnish a 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (VA)

This company LVNV FUNDING is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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. 

This company 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Consumer name : XXXX XXXX XXXX consumer XXXX : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with XXXX transunion and XXXX and have submitted an FTC report with each Complaint.Account name : XXXX  : account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.
Consumer complaint received 2024-09-21
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)

dispute letters have been mailed to Transunion, XXXX and XXXX with accurate proof of payment and no action has been taken by the credit bureau to correct the inaccurate information in records to the XXXX account who reported false information. Attached to my complaint is proof of payment along with proof of the dispute letter being sent. Attached is proof of autopay being setup on XXXX XXXX as well. the payments were not late.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CA)

I would like Transworld systems to cease and decist all collection and collection efforts. It appears my rights under the FCRA has been violated. I noticed Transworld systems has been attached to my social security XXXX payment for at least ten 10 years collections have been without my knowledge nor litigation or due process. Transworld systems are also misrepresenting themselves as the federal government and or collecting on behalf of the federal government. The amount only appears to grow and percist the interest is predatory and in total I demand a cease to all collection and removal of debt. In addition I'm seeking compensation for the over collection and violation of my right to dispute as well erroneous reporting via XXXX XXXXXXXX XXXX XXXX correction should be immediately applied to XXXX balance and cease of all action pursuant to 15 USC 1692c and 15 USC 1681 my information was not given with consent to Transworld systems for any purpose or use.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : XXXX XXXX XXXX  ) ( LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICES ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted XXXX XXXX XXXX, LVNV FUNDING LLC, RESURGENT CAPITAL SERVICES and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer reports.