davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

Paid off my bills in XXXX payments to this company. I was never mailed the confirmation that my balances was paid like they told me they do after payment. I have the pictures from emails/bank statements The amount never left my credit report as well like promised. It still says I owe which I dont. Paid XXXX payment in XXXX and XXXX in XXXX should be off my account by now.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit, Inc (TX)

Reference XXXX VW Credit Company did not provide proof of sale, or proof of auction. Company also gave false information that they did not know where the vehicle was for 2 months. VW Credit knew I turned the vehicle in to the XXXX dealership where I purchased it because we both made arrangements for me to turn the vehicle in if I could not make payment by XX/XX/XXXX. The vehicle and keys was turned in to the ( XXXX ) the Finance manager same person did the paperwork at the time of purchase. XXXX called VW Credit office while I was there to let them know I was voluntarily surrendering the vehicle. They sent a truck to my house to pick up the vehicle when knowingly the vehicle was at the VW dealership in XXXX since XX/XX/XXXX. I request this charge be reversed back to VW Credit. Also they sent the information to a collection agency without proof of sale rather to an auction or a customer. I have no documentation of amount of the sale of the vehicle to confirm the reported debt amount. Thank you for your consideration of this disturbing matter.
Consumer complaint received 2024-08-26
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: Westlake Services, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WESTLAKE FIN, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Sections 367.010 and 367.020, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020. 
It has come to my attention that WESTLAKE FIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 367.010 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 367.020 of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for WESTLAKE FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WESTLAKE FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 367.010 and 367.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WESTLAKE FIN will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account. 

XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on XXXX but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ). 

XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all 3 bureaus, high credit amount is reported differently. 

XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all XXXX bureaus are reporting different two year payment history.
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NJ)

A loan was opened in my name by a fraudulent pay to work scheme that runs under multiple names. It violates so many consumer protection laws. The total balance of my loan is {$1600.00}. I already have an overdue payment that I missed on XX/XX/year>. The payment is for {$100.00} The program 's testimonials, stories, and other content is all from people trying to scam. They will talk you into opening a loan to buy a course, and you will not be an employee. 

Here is the link to the website of the program, which clearly depicts a scam : XXXX XXXX XXXX The company says they are hiring, but all they are doing is seeking people to buy into their business. 

When setting up a call with the company, they asked for my credit score, made me open an affirm account in my name, made me give access to my screen via XXXX, asked for my social security number, and made me sign a deceiving contract I also want to mention that the people running the company are very smart and know how to hide their scams well. They use people 's credit scores, SSN, purchasing power, etc.
Consumer complaint received 2024-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

I sold my house, XXXX XXXX sent me a check for XXXX. I moved out of country. I sent the check to the bank and it was Stale Dated. NO GOOD. I can not get in touch with them. It has been a year and a half. Can you help?
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

ACCOUNT XXXX XXXXXXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXXXXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

Was sent a credit card pre approval by Bread Financial, Comenity Bank. I went online, filled out the information, and a box popped up saying, " we will contact you in 10 to 14 days. '' About 12 days later I get a letter from Comenity Bank saying I was denied because my credit score was too low, it was FICO XXXX. They claimed to have gotten from XXXX. I have an XXXX account and my FiCO score with them was at the time a XXXX. I had to go thru a bunch of hoops to get a number to call XXXX with. The lady I talked to told me there is nothing they could or would do, " you need to contact XXXX, '' she told me. I said, " I have an account with XXXX, and it states a XXXX, not a XXXX XXXX score. '' She again brushed me off. Credit Card companies can offer credit to whom they feel fit. But to deny someone on a bs FICO score is wrong. They do a soft pull, that is how they determine to offer a pre approval in the first place. The soft pull shows the XXXX score. Something else us going on here. I'm XXXX XXXX XXXX, I think they used my age to discriminate against me. When I filled in my date of birth, they said, " oh, too old, deny. '' Then, to cover up their discrimination, they give a bs reason and a bs FICO score. When you go to talk to them, they brush you off. I'm contact you because if they have done this to me, they've done it to others. I believe they need to be investigated. Thank you, XXXX XXXX. XXXX
Consumer complaint received 2024-08-25
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: JPMORGAN CHASE & CO. (IL)

I got scammed XXXX from a job that turned out to be a fake job. I sent my bank all the screenshots and the phone numbers and they said they cant help me. This happened XX/XX/2024 to XX/XX/2024. I filed a claim with my chase bank and they couldnt help me. Also my XXXX XXXX account didnt help me out either.
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On XX/XX/year> I seen that a collection was added along with a address was added to my credit through Fair Collections & Outsourcing. I have dealt with them around XXXX of XXXX  because of identity theft I told them that this is the same situation but they told me they have to still investigate the matter. They know I have never stayed in XXXX XXXX XXXX because I didn't stay in the other place they said I stayed at. They said they had my account since XXXX & they been trying to reach out to me through mail at the address of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX but once again i dont know stay there! This account was open fraudulently & I want it off ASAP.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I am writing to formally request your assistance in resolving a matter involving fraudulent charges on my Wells Fargo debit card and the bank 's failure to adequately address my claims. 

On XX/XX/scrub> 2024, I noticed XXXX unauthorized transactions on my Wells Fargo debit card, totaling {$4900.00}. I immediately reported these charges to Wells Fargo and submitted a claim for reimbursement. Unfortunately, my initial claim was denied without sufficient explanation. 

On XXXX XXXX, 2024, I re-filed my claim, but upon following up on XX/XX/XXXX, I was informed that the claim had not been processed. I resubmitted the claim on the same day, and on XX/XX/XXXX, I received an email confirming that case number XXXX had been submitted and would require XXXX  days for investigation. 

Despite these assurances, when I called Wells Fargo on XX/XX/XXXX, I was told that the charges were deemed legitimate. I was advised to contact XXXX, the debit card issuer, but they informed me that Wells Fargo was the decision-maker. In an attempt to escalate the matter, I contacted my branch banker on XX/XX/XXXX, who promised that the case would be reviewed by the XXXX team. However, on XX/XX/XXXX, I received a response once again stating that the charges were legitimate, now referencing claim number XXXX. 

Throughout this process, I have repeatedly requested supporting documentation for Wells Fargo 's determination, but have received nothing. On XX/XX/XXXX, I contacted Wells Fargo again to express my concerns, and on XX/XX/XXXX, I received an email indicating that the case is still under review, now referenced under claim number XXXX. 

It has been XXXX  days since I first reported these fraudulent charges, and I am no closer to resolving this issue. The lack of transparency and the repeated denial of my claims, despite clear evidence of fraud, is both frustrating and unacceptable. 
I am seeking your intervention to expedite the resolution of this matter and to ensure that I am reimbursed for the fraudulent charges. Additionally, I request that Wells Fargo provide all documentation related to their investigation and decisions. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc. (LA)

This company continues to discriminate, against XXXX XXXX, please be advised im placing leins with thier legal dept, through the attorney general office of thier corporate office, these people have went against every fcra rule there is, I'm requesting a litigation hearing with corporate office immediately
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2023. I reached out to Wells Fargo Auto Loans in regards to my auto loan application from XXXX XXXX XXXX being denied. I explained to them my Constitutional Rights as a consumer under the Consumer Bill Of Rights. One lady hung up on me and a gentleman transferred my call where nobody picked up. I explained to them my concerns about being discriminated against ( Equal Credit Opportunity Act ) because of my credit score. I also explained to them that I submitted a Federal Reserve Note that was denied and continued to explain the obligations of the United States by all National, Member, and Federal Reserve Banks ( Federal Reserve Act Section 16 ) where they still denied me. Before the lady hung up on me she explained that a supervisor would reach out to me within 7-10 business days, but the gentlemen switched me right over to a supervisor. Unfortunately no supervisor answered.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :