davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, JPMogran chase bank sent me an email telling me that my bank account was about to be closed without informing me of any reason, I then dialed the bank 's customer service number to inquire about the situation and was told by the customer service representative that he could not tell me the exact reason why the account was being closed but that I could go to the nearest branch to withdraw my remaining balance, whereupon I went to the nearest branch and was told that since the account was restricted and not yet officially closed so they can not issue my balance. I was told that the account would be officially closed on XX/XX/XXXX and that the bank would send a check with my remaining balance to my address on file after the account was officially closed. On XX/XX/XXXX, which was a week after my account was officially closed, as my college was about to start, I needed the balance in my account urgently to pay my tuition otherwise I would not be able to attend my school classes and risk being suspended due to non-payment of my tuition, so I went to branch again and was told that the check might not arrive in such a short time as XXXX week and to wait for a few more days, so I continued to wait. I went to the branch again on XX/XX/XXXX, and the staff helped me to dial the number of the department in charge, and told me that the money was under investigation and could not be released, and then I went to the bank twice, and got the same result every time : my balance was still under investigation. Until today, XX/XX/XXXX, I still have not received my balance, this kind of excuses from the bank and not taking into account the actual situation of the customer and withholding my balance for no reason has had a serious impact on my life, I have been warned by my landlord that I will be evicted due to my inability to pay my rent on time and I have been fined, and my school will be starting on XX/XX/XXXX, and if I can't pay my tuition by then, I will not be able to attend my classes and risk being suspended. I hope cfpb to help me communicate effectively with chase staff to return my account balance to me to avoid the risk of eviction and suspension from school!
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CarMax, Inc. (CA)

Subject : Formal Complaint Against CarMax Auto Finance Regarding Fraudulent Account and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CarMax Auto Finance concerning a fraudulent vehicle purchase made in my name as a result of identity theft that occurred in XX/XX/XXXX. A vehicle was purchased using my social security number and date of birth ; however, the name on the contract was incorrectly spelled, indicating that this was not a legitimate transaction. 

Despite my attempts to resolve this matter directly with CarMax Auto Finance, they have failed to properly address the issue. They provided me with a so-called " original signed contract, '' which lists an address at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX address with which I have never been associated. Furthermore, all related documents were sent to XXXX XXXX XXXX, XXXX XXXX XXXX, another address I have no connection to. 

I have already filed a police report regarding this fraudulent activity. 

In addition to these discrepancies, CarMax Auto Finance is currently reporting a balance of {$22000.00} to all three credit bureaus. However, I received a document from them titled " XXXX XXXX XXXX XXXX XXXX  '' stating an amount of {$21000.00}, with additional finance charges and interest of {$520.00}, bringing the total deficiency to {$22000.00}. These inconsistencies violate my consumer rights under the Fair Credit Reporting Act. 

Given the errors and CarMax Auto Finance 's failure to properly verify my identity, I am demanding that this fraudulent tradeline be immediately removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (AZ)

The account listed below is in direct violation of my federally protected rights under the FCRA pursuant to 15 USC 1681. All three credit bureau are reporting inaccurate information to my credit report hindering me from moving forward with obtaining credit. The company XXXX XXXX is reporting a charge off with a past due balance which is a direct violation of FCRA rights. A charge off can not have a past due balance. When a debt is charged off to someones name the original company receives a tax break for the full amount of said debt. Also, When a auto loan goes into a default the FDIC pays out the bank threw insurance for said debt. XXXX XXXX has received more than original amount owed on the vehicle including all the money they originally received from me. This debt is also longer than 7 years old. Arizona statute of limitations for debt is 6 years. All Intern making me no longer liable for this debt under the FCRA guidelines. This account is also violating my consumer reporting rights. Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group (FL)

CKS Prime Investments has continued to report this account on my credit reports. The company continues to hassle me to pay a debt I dont owe. They have supplied me with the paperwork to confirm this ( included in this complaint ). However they continue to report on my credit files and calls and e-mails after I have requested from them to cease and desists all communication.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> I went to deposit my finances XXXX check to my account. They took my check and said it would take 7 days to clear and get my funds. We needed this money to pay rent and other important utilities. The check finally cleared and I received a message my account was restricted due to a third party check being deposited. I called multiple times just so they can tell me they can not give me our money until my fianc verified he gave me the check to deposit. I gave them his number and the person wrote the check number but they couldnt verify those were their numbers. Our phone plan is under my name but his caller ID shows his. After that I kept calling and calling, but nothing. Then we decided to go to bank in person with proper identification but still couldnt do anything. He took his id but were told the only way was through phone verification. We are worried because we need that money to pay things off. I tried everything I could do and dont know what to do. My account is closed and they are withholding our money. We cant afford to take another phone line out. I feel like chase isnt trying to help me find another way to Handel this problem. We need help.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group (GA)

Dispute the debt associated with File Number XXXX, which was reportedly sold by XXXX to Velocity Investments LLC, with a stated balance of {$5100.00}. 

I request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I am requesting : 1. Proof of Debt Ownership : Documentation proving that Velocity Investments LLC has the legal right to collect this debt. 
2. Complete Payment History : A detailed breakdown of the debt, including the original contract, and any fees or interest that have been added. 
3. Verification of Accuracy : Proof that the amount claimed is accurate and consistent with what was originally owed. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report if it can not be properly validated. The presence of an unverifiable or inaccurately reported debt could be considered a violation of my rights under the FCRA. 

I am currently experiencing significant financial hardship and am unable to repay this debt. As such, I am also invoking my rights under the FDCPA, specifically 15 U.S.C. 1692c, to request that all communication regarding this debt cease immediately. Continuous attempts to collect this debt only serve to exacerbate my financial situation and could be deemed as harassment.

If Velocity Investments LLC is unable to validate this debt in full compliance with federal laws, I respectfully request that this debt be removed from my credit report and that all collection activities cease. Failure to comply with these legal requirements may result in further action on my part, including filing complaints with the appropriate regulatory agencies.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX  12A - Insurance Fraud Investigation Unit and Crime Prevention Act.

Article 1 - Definitions and Crime of Insurance Fraud.

Section 27-12A-5 - Transacting Insurance Without a License. 

When ask if the entity known as Credit Acceptance is license to sell insurance?

Credit Acceptance : NO. GAP insurance is not insurance. 

Credit Acceptance : We go through a third party Vendor XXXX XXXX : " I have never seen or talked to this third party vendor that allegedly sold me GAP insurance. 

Is GAP insurance a form of insurance? 

Yes, gap insurance is a type of auto insurance. It's an optional coverage that can be added to your collision or comprehensive insurance policy. Gap insurance, also known as Guaranteed Asset Protection ( GAP ) or loan/lease gap coverage, pays the difference between the amount you owe on your car loan and the amount your insurance company pays if your car is totaled or stolen. This is because standard auto insurance only pays up to the value of your vehicle, which could be less than what you owe on your loan
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION (CO)

We have struggled since covid occurred. We went into a forbearance, and worked through that. I lost a well paying job in early XXXX of XXXX  and could not pay the mortgage. We fell behind three months and requested assistance. We were told that there was a modification available and that it would lead to a higher amount that would need to be paid. In order to save our home, we signed the modification paperwork and returned it to our lender. I had reached out to other options to help with trying to make our payments and were shut down completely because of the late payments and the lenders constant hits to our credit. There seems to be no way to dig out of the hole. We have tried to escalate the issue with the lender but do not get any answers, while being told that we will hear from someone about out situation. We submitted the modification paperwork in XXXX XXXX and since that time have called 5 or more times trying to get any kind of assistance to lower the monthly paymnet.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-08-15
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: World Acceptance Corporation (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Fate Texas Laws Dear XXXX, I am writing to address blatant 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 Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . It has unequivocally come to my attention that XXXX 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, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for XXXX 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 XXXX 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 392.301 and 392.305 of the Texas Finance Code. 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, Texas 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 XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 
Sincerely,
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

I made a purchase for a diamond bracelet at XXXX XXXX in XXXX. I charged the purchase to my XXXX XXXX credit card which is issued through Comenity Bank. The purchase was over {$XXXX} which means that I am supposed to receive 12 months interest free as long as I paid off the purchase before 12 months and made the minimum monthly payments ( which I am doing ). The purchase was over {$XXXX} before tax. 

After receiving my first bill in XXXX, XXXX setup auto payments to have the money taken from my account and paid off within 12 months. I checked my account in XXXX and realized that I was being charged interest this whole time. The interest was not being taken from my account but being added to my balance which I was not aware of. 

I have called XXXX XXXX and Comenity bank that issues their credit card to let them know the error. Both have said it is the others responsibility and have not given a refund on the interest charged and they are still continuing to charge me interest. 

I have gone to the XXXX XXXX store where I purchased the bracelet to ask if they made an error and did not mark me down for the 12 month interest free promotion but they mentions that they did and it was an error by the bank. 

I wonder if they are doing this to all of their customers or singling me out because I am XXXX XXXX, I feel discriminated against.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I noticed an unauthorized charges on my Wells Fargo bank checking account, {$3100.00}, {$590.00} total is {$3700.00} and I call Wells Fargo bank and let them know someone stealing my money from my checking account and filed a claim and I'm been waiting so long that my claim is deny and they tell me i have to calling to the fault company and solve out this problem by my self. I don't know nothing about his fault company how can i calling them my self and talking to them to solve out my problem by my self? and Well Fargos bank didn't provide me they phone number either. And Wells Fargo make me to pay this fault company without my unauthorized. So please help me I'm so stress and frustrating don't know what to do.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

Greetings, This company called ( XXXX )/ XXXX XXXX contacted me that they can mentor me on real estate, i was driving while they called me, i was told that the mentorship would be {$9900.00}, but i do not have to pay until they start the mentorship. they sent me a link to type the last XXXX digit of my SSN and address, i did so, all of a sudden i received and email from Affirm company that a loan of {$12000.00} was taking in my name that i had to pay back, i have been calling the number back no response and i have also emailed them to cancel mentorship no response from them. This is a scam. 

Affirm is trying to report the loan that they never gave me to credit bureau. I never received any mentorship from XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CA)

I signed a contract on XX/XX/year> with XXXX XXXX and company XXXX before having seen the full terms and conditions of service during a zoom call without being fully informed on what was being agreed upon. XXXX XXXX and XXXX claim to provide mentorship programs, I did not use or access any of these services due to my immediate desire to cancel. Once video call was over I immediately contacted the company through email and by sending a certified letter In the mail disclosing my intention to immediately cancel and receive a refund. I was made to believe I was accessing an estimate of payment when in reality I was being tricked into applying for and confirming a loan with third party affirm. After having attempted to cancel my contract with XXXX and further emailing their support team to no avail, I went ahead and contacted affirm where I placed a dispute on {$3700.00} ( amount of loan ) and total payments done after all installments would have been finalized amounting to a grand total of {$4500.00} the amount of the loan being charged. An investigation was conducted by affirm which was then refused due to the return policy on the companys terms of service.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I submitted in writing for the three credit bureaus XXXX XXXX and XXXX to be removed off my credit report. The U S Bankruptcy verified they do report to the credit bureaus. They refused to removed the bankruptcy.
Consumer complaint received 2024-08-16
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: LEXISNEXIS (TX)

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. XXXX 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 ) XXXX 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 information is inaccurate.