davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (CT)

im requesting a 1099c form since this debt have been charge off and defined by the IRS. DEBT TURNS INTO INCOME. AS WELL AS IM SUPPOSE TO GET A 1099C FORM. IF YOU CAN NOT PROVIDE ME WITH A 1099C FORM PLEASE DELETE ACCOUNT FROM XXXX, XXXX AND XXXX. ALSO YOU VIOLATED 15 USC 6802... YOU DID NOT GIVE ME MY FULL 3 REQUIRED DISCLOURES TO OPT OUT OF MY PERSONAL INFORMATION BEING REPORTED. PLEASE DELETE!
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I dispute the validity of the debt as no agreement was signed by me. The debt collector failed to follow proper validation procedures and engaged in abusive practices, violating my rights under the FDCPA. I demand removal of the account from credit reports and cease & desist of communications or I will escalate to my litigation attorney.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (TX)

Synovus refuses to update all three credit reports with correct and factual information as it pertains to my consumer credit file. This company is not cooperating with us, payment was paid in full on XX/XX/year>. The company sent a paid in full letter to my email and is now trying to say they didnt receive payment, they in fact sent you a letter that the payment was received and the account was a XXXX balance. This inaccurate reporting of this transaction has stopped us for the 5 month on buying our home.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Deinde Online Services, LLC (KY)

They keep calling and harassing me about a debt and being rude and demanding. They also called my family members and people that I havent spoken to in years! Threatening to take legal action and I called the number they left on VM and no one answered!
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Us auto sales sold my loan to a debt collection company and I did not sign paperwork for that. They repossed my vehicle forcing me to go and get another vehicle paying way to much more than I was. My loan would have been paid off in XXXX.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

Dear CFPB and Macy 's XXXX XXXX, I am writing to formally request the immediate removal of inaccurate late payment information from my credit report. This misinformation has had a profoundly negative impact on my mental health and well-being. The incorrect reporting of these transactions is not only damaging to my character but also a violation of the Fair Credit Reporting Act ( FCRA ). 

The erroneous late payment entries are illegal and should not be included in my consumer credit report. These inaccuracies have led to unjust judgment and missed opportunities, resulting in significant actual damages to my life. I am deeply distressed by the effects this situation has had on my personal and professional circumstances. 

I urgently demand that you correct my credit report to reflect a status of " paid as agreed. '' Failure to address this issue promptly will leave me no choice but to pursue legal action in federal court to protect my rights and seek justice. 

Thank you for your immediate attention to this critical matter. 

Sincerely
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my consumer credit report that 100 % SHOULD NOT be reporting at all. 
Creditor-Credit Acceptance Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I say this because, the law states that there should not be a late payment reporting on my consumer report at any time and should not include any transactions or experiences between me the consumer and any person making a report. Also, each credit bureau agency is suppose to furnish the correct information on your credit report and mine has discrepancies. 
Furthermore, I have never given any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a-2, U.S. Code 1681a-2 ( A ) ( I ) and also 15 U.S. Code 1666b. 
Please reverse these late payments from my consumer report and update this account as soon as possible.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The IRS sent me correspondence re money owed. My accountant told me to pull up all checks paid to the United States Treasury to see if I had indeed sent the check in. In researching checks sent, I found Check # XXXX dated XX/XX/XXXX for {$XXXX} had been stolen, washed and forged by XXXX XXXX XXXX. The check was deposited into a USAA bank account. There are SO MANY errors on the check ( uploaded below ), yet it was still deposited. This person was arrested earlier in XXXX for financial fraud and they bonded out. Because more than 6 months have passed, my bank, XXXX, is refusing to reimburse my account. I filled a police report on XX/XX/XXXX Service # XXXX and also wrote a statement for the DA. I understand more than 6 months have passed, but how did this check get deposited when there are so many errors on it? I need those funds back. I always put checks to the US Treasury directly into the USPS outgoing box and not in my mailbox.
Consumer complaint received 2023-07-11
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX and XXXX XXXX customer service representative.
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MO)

IQ FAILED TO FULFILL THEIR COMMITTMENT IN THE RESPONSE LETTER TO THE CFPB, dated XX/XX/year>. 

In their response, IQ DATA stated " We have requested our tradeline be removed from the consumers credit, please allow up to 45 days for this change to be reflected. The account will remain on hold until our client releases this hold upon completion of their review. " As of XX/XX/XXXX, IQ DATA 's tagline is still being reported to XXXX. It has not been removed. I have not received any communication, verbal or written, to my dispute letter of XX/XX/year> requesting validity of the alleged debt. 

Again, I moved out of this rental property than 3.5 years ago and was never contacted about this alleged debt till XXXXXXXX XXXX XXXX not one call or letter and all of a sudden I have IQ Data reporting this to the credit reporting less than 5 days from being notified of this attempted collection. And now, they haven't even honored their own words on what action they would take. Unscrupulous, unfair, discriminatory behavior and practice.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC (IL)

I am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with MONTEREY COLLECTION SV. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission. 

I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter
Consumer complaint received 2024-06-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MOHELA (FL)

XXXX XXXX XXXX I signed for a loan of XXXX XXXX  with taxes included to a XXXX program. they said this on there program description : Get placed in a XXXX XXXX  tech job through our done-for-you training and job placement system in as little as 90 days!. whitch in fact is a complete scam. Ive been doing the program for XXXX  months now and ive gotten no help or emails back from the company. i asked for help a million times. they did not provide anything they said they would.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (MD)

I brought products from a vendor and originally wanted to pick the items up. The vendor was unclear about the pickup location so I asked the vendor to ship the items instead and I would pay the additional fees occurred. The vendor never responded to any of my requests nor followed through on the recommendation to bring the products to my home. I contacted the bank several times to explain the issue as this is fraud and a scam because I will never have a tracking number to prove I didnt receive the items. I have sent in tons of information and now, I am asking for a provisional credit until the merchant cooperates. The merchant has no other communication with the dispute team other than email and after a week of emailing, no response or update has been given.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (TX)

Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. Is wrong Date opened XX/XX/XXXX Is wrong Adding information to my report with out my knowledge. I have no contact with this company I have tried to dispute this matter. I never receive the original contact information
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (FL)

Explanation of Events : Complainant : XXXX XXXX. 
Institution : SoFi Bank Date of Initial Dispute : XX/XX/2024 CFPB Complaint Filing Date : XX/XX/2024 I am filing this formal complaint against SoFi Bank for misappropriating my funds and the subsequent negligence in handling my dispute regarding a fraudulent charge. Below is a chronological account of the events that transpired : XX/XX/2024 : I noticed a fraudulent charge on my account from XXXX XXXXXXXX XXXX  amounting to {$2600.00}. This charge was unauthorized. 

XX/XX/2024 : I filed a dispute with SoFi Bank regarding the fraudulent transaction. I followed up with a phone call on XX/XX/2024, to confirm the dispute was recorded and to check its status. 

XX/XX/2024 : I engaged in an online chat with SoFi Support to ask about the status of my dispute and expressed my urgent need to return my funds, which SoFi Bank had failed to credit back to my account. 

XX/XX/2024 : I contacted SoFi Bank again and was promised a transfer to the " Member Experience Team. '' After an extended wait, I was connected to an individual named XXXX, who informed me that SoFi Bank would not be returning my funds despite acknowledging the fraudulent nature of the charge and the lack of acknowledgment from XXXX XXXX XXXX I was advised to initiate an appeal process, which I instructed XXXX to commence. 

XX/XX/2024 : Following up with XXXX from SoFi Customer Support via online chat, I was informed that XXXX had not initiated the appeal as promised. XXXX then submitted an appeal on my behalf and provided me with ticket number XXXX. She also confirmed that there was no accounting for the missing funds. 

Due to SoFi Bank 's negligence, I have suffered significant financial harm. Numerous charges that were set on autopay have bounced, causing me undue financial stress and damage to my creditworthiness. The inconsistent information and lack of transparent communication from SoFi Bank have exacerbated the situation. 

I demand immediate restitution of the {$2600.00} fraudulently charged to my account. SoFi Bank 's failure to act promptly and responsibly has violated my trust and contravened the customer service and financial integrity standards expected of a banking institution. 

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that my funds are returned and SoFi Bank is held accountable for its actions. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX  XXXX Balance Owed : {$27000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2024-01-18
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NE)

They sent the original letter through the cfpb and it has my name but the address on the letter is a place Ive never rented or resided at! Theyre not even trying to remove the debt, even after Ive shown proof that it isnt mine including my current account with XXXX XXXX!! When I called them, they had none of my information except my social and my name and had NEVER sent a previous debt collecting letter or called!!
Consumer complaint received 2024-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX of XXXX, I went to car dealership XXXX XXXX XXXX in XXXX to XXXX a car I wanted. 
When they check my consumer report, I was told that I was approve by Capital One Bank at a XXXX XXXX XXXX. The tag price was {$19000.00} and miles on the car were about XXXX. 
I was asked for a down payment of {$8500.00}. 

I'm currently happy with the car and the way its performance. 

The reason why I'm filling this complaint is because I came aware of the XXXX law that regulate the XXXX interest rate that a bank institution can charge on a car loan. Base on the usury law the XXXX a bank can charge in XXXX XXXX and/or in XXXX XXXX XXXX XXXX XXXX. I'm paying XXXX XXXX XXXX 
I contacted the bank and they response was that they are in compliance with the law and that they do not need to do any changes to this loan. 

I contacted an attorney and he explained to me that I do not have a car loan that instead what I have is a retail installment sale contract and for that reason he can not help me. 
Now asked to myself, So what is a retail installment contract? 

What is a Retail Installment Sale Contract? A retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. 

*But in reality, it is a car loan that an individual is granted by a lender or a bank institution, but they be very careful not to call it that because if it were a car loan it would be regulated. So, they use a magic substitute word called retail installment sale contract. Which by virtue of federal law is deregulated. 

I believe that the car dealership XXXX XXXX XXXX and Capital One Bank are both working together on this to evade the law.
Consumer complaint received 2024-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-06-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

I have attempted to get this removed from my credit report by complaining to XXXX with no resolution. I do not live in any other state besides XXXX and I do not have telecommunication services with anyone except my mobile phone provider XXXX and XXXX. I am enclosing a copy of my XXXX bill
Consumer complaint received 2024-09-02
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. (PA)

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. 
XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX,. has violated my rights. 


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.