davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

I requested the School Misconduct Discharge application and was sent to other forms that do not handle this request. I'd like to get the correct form so I can start the process to discharge my loans that were used to attend XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-06-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX there was a notification from the bank asking if a withdrawal was made by me and it was not. It was for {$2000.00} atm withdrawal. I immediately called the bank and reported it starting the claim process. On XX/XX/XXXX I received a notification stating that this claim was invalid and I wont be receiving a refund.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (KY)

I have been paying on my XXXX XXXX XXXX for a while now, roughly a year possibly longer. I feel behind due to an unexpected death in the family, which lead to being evicted and homeless sleeping out of my vehicle trying to figure out how I can make money. I have been paying the car company every month trying to get caught up o my car payment, and I find it really unbelievable and so unfair they are now threatening to repo my vehicle if I dont pay {$350.00} by the end of the month which i unfortunately have rent due also and need to keep a roof over my childrens head. But how is it fair I pay CPS the company who bought my debt without consent, is threatening to come take something from me that I HAVE been paying on! down payment on? They didn't disclose my right to resend consumer credit transaction and they made me pay out of pocket for insurance. Which is supposed to be included in the finance charge. They also illegally charged me a down payment.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A. (MN)

I have a XXXX XXXX XXXX credit card debt of {$750.00} and they threaten to garnish one of my son 's account which I am only on as a cosigner but I do not use that account that is my son 's account. And they garnished {$1600.00} out of his account after they asked me for his bank statements and pay stubs to show that I didn't use that account but now I didn't show for a XXXX meeting and they said that it is their money now. I thought the statue of limitations was 6 years but apparently it's 20 plus. The debt collector is messerli & Kramer in XXXX Minnesota
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TRYING TO COLLECT ON A DEBT I DID NOT INITIATE OR CREATE.
Consumer complaint received 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account number : XXXX, opened date : XX/XX/XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with ( company name ) for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
UnfortunatelyXXXX XXXX XXXX XXXX, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC (TX)

Account #
XXXX ,IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.
15 U.S.C 1681 SECTION
92 A. STATES I HAVE THE RIGHT TO
FRIVACY.
15 U.S.C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone: XXXX XXXX
Consumer complaint received 2024-05-26
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: Financial Assistance Inc (IL)

On or about XX/XX/year>, Financial Assistance Inc received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. Financial Assistance Inc acknowledged receipt of this notice in their response to my XXXX  complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/year>. XXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude FAIs continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/year>, Financial Assistance Inc deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my XXXX and XXXX consumer reports.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

I have tried repeated times to get Cavalry Portfolio Services to verify the debt they say I owe, and they have not done so. I have made a identity theft / fraud complaint with the FTC. By law, they must remove any fraudulent information from the Credit Bureaus, as this fraud is negatively effecting my credit score and impeding my ability to conduct business in commerce. 

Cavalry has no contract with me, and can not sufficiently validate the debt they claim I owe, therefore they must remove this account from my credit report. - both XXXX and XXXX are reporting negative information on a debt that is fraud and is inaccurate which violates my rights to privacy and they are violating the laws that require them to report accurate information. This fraud must be removed from my credit reports at XXXX and XXXX Immediately.
Consumer complaint received 2024-05-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

I PURCHASED A 12 MONTH CD ON XX/XX/XXXX FROM THE XXXX XXXX APP WHICH IS ASSOCIATED WITH WEBSTER BANK IN NEW YORK..I WAS TOLD I HAD A 10 DAY GRACE PERIOD TO DECIDE AFTER THE 12 MONTHS,.. I WANTED TO CLOSE IT OUT ON XX/XX/XXXX. XX/XX/XXXX WAS A SATURDAY AND THEY WERE CLOSED. I CALLED ON MONDAY, XX/XX/XXXX AND TOLD THEM I WANTED TO CLOSE OUT MY CD. THE REP TOLD ME TO CHECK MY APP AND WAIT FOR A MESSAGE FROM XXXX XXXX. I WAITED UNTIL XX/XX/XXXX AND RECEIVED NO MESSAGE FROM THE BANK, I CALLED ON XX/XX/XXXX XXXX XXXX AGAIN AND I WAS TOLD I NEED TO GO TO XXXX, XXXX TO " ACCEPT '' TO GET MY MONEY. I HAD NO IDEA THERE WAS A XXXX. I WENT TO THE WEBSITE, WHILE THE REP WAS ON THE PHONE AND TYPED IN " ACCEPT ''. THE REP TOLD ME MY REQUEST WENT THROUGH AND I SHOULD GET THE MONEY IN 3 DAYS, AND THE MONEY WILL BE IN MY CHECKING ACCOUNT. I WAITED UNTIL XX/XX/XXXX AND WAS THEN TOLD TO WAIT 3 DAYS AND THE MONEY WOULD BE IN THE BANK. I HAVE BEEN GETTING THE RUNAROUND SINCE I WANTED TO CLOSE THE ACCOUNT, I WAITED UNTIL XX/XX/XXXX AND THE REPRESENTATIVE TOLD ME THAT I WILL GET THE MONEY BY XX/XX/XXXX, IN THE MEANTIME MY ACCOUNT SHOWS I AM RENEWING MY CD. WHICH I AM NOT. AFTER READING THE ONLINE REVIEWS ON XXXX XXXX, MANY PEOPLE ARE HAVING THE SAME PROBLEM. I NEED THIS MONEY TO PAY MY BILLS. THE XXXX XXXX PHONE NUMBER IS XXXX. I REALLY APPRECIATE ANYTHING YOU CAN DO TO RESOLVE THIS ISSUE.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

My account was closed through chase because of fraud I was trying to get a loan and my account was closed the bank still owed me {$250.00} and I was sent {$4.00} in a cashier 's check and they will not release the test because they say that the estate check I received after my mom passed away was a third party check and I need proof that I could cash the check but the check cleared and I used the account for at least 6 months before it was closed and I have them a copy of my mother 's death certificate and a copy of the affidavit stamped and notarized from the court house but instead of them doing an estate account they put the account in my name
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CA)

I am writing to formally dispute the accuracy of credit reporting by your agency regarding Account Number XXXX, as per the records of XXXX. I emailed several times and called and have received no assistance. According to the information provided to me, Hunter Warfield XXXX Inc. has reported this account as being in collections. This claim is surprising and concerning, as I have no knowledge of this debt, nor have I received any prior communication from your company concerning such an obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the original contract bearing my wet signature as proof of my consent to the alleged debt. This is to verify that the debt is indeed mine and that your records are accurate. Please mail this documentation to the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ), I insist that you cease reporting this account to all credit bureaus until a thorough investigation is completed. It is imperative that my credit report reflects accurate information, and I trust that your company will take immediate action to rectify any errors in your reporting practices. 

Should this dispute not be resolved promptly, I reserve the right to seek legal counsel to ensure the protection of my rights under federal laws including the FDCPA and FCRA. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to investigate and resolve this dispute. I expect all communications to be in writing and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (PA)

I called these companies that are reporting inaccurately on my credit report and they have refused to send me any paper work regarding legitimacy of this account. I asked for the original contract and have yet to receive it. This account is impeding me from applying for new credit.
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NC)

I am writing to file a complaint against Ally Financial Bank regarding the mishandling of my loan payments. I have been a customer of Ally Financial Bank for several years and have always made my payments on time. However, in the past few months, I have encountered several issues with the way my payments have been handled. 

Firstly, I noticed that Ally Financial Bank has been reporting incorrect payment amounts to the credit bureaus. Despite making my payments in full and on time, my credit report shows that I have missed payments or made partial payments. This has resulted in a negative impact on my credit score and has caused me great distress. 

Secondly, I have made overpayments towards my loan balance, but Ally Financial Bank has not applied the excess amount to my principal. Instead, the bank has applied the overpayment towards future payments, resulting in interest accruing on the balance unnecessarily. This is an unfair and unjust practice, and I demand that the excess amount be applied towards my principal balance as soon as possible. 

I have attempted to resolve these issues by contacting Ally Financial Bank 's customer service department, but I have not received a satisfactory response. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in resolving these issues. 

I request that the CFPB investigate this matter thoroughly and take appropriate action against Ally Financial Bank for the mishandling of my loan payments. I also request that the bank correct the reporting of my payment history and apply the overpayment to my principal balance as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TomoCredit Inc. (CA)

Tomo card owes me {$520.00} dollars, stemming a refund from XXXX XXXX XXXX that went back to the card in 2023. 

I've tried to reach out to customer service multiple times through chat, email, phone and have received no responses. Hoping to get some or at least partial refund back.
Consumer complaint received 2023-04-28
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}. Please delete.
Consumer complaint received 2024-05-24
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Dear XXXX, I am writing to address the 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 ), and XXXX XXXX identity theft and fraud laws.

It has unequivocally come to my attention that XXXX has 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, XXXX XXXX identity theft and fraud laws emphasize the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and 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 local 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 XXXX XXXX identity theft and fraud laws. Failure to comply within the stipulated XXXX 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 and XXXX XXXX identity theft and fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local 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 local laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (OH)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF/LEADB - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Consumer Portfolio Services, Inc. (PA)

An individual used my social security number to get a car loan through Consumer Portfolio Services on XX/XX/XXXX. XXXX XXXX XXXX did not pay the installments on the loan and it was charged off in XXXX of XXXX. This is fraud and I need it removed from my credit report. Consumer Portfolio Services did not verify any information related to my social security number or my actual credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE ALL FRAUD ALERTS XXXX : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX