davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (GA)

Great evening, In response to complaint # XXXX, Carmaxs manager XXXX is 100 % correct, I am attempting to lawfully set off this account, I have sent a remittance coupon last week certified mail accepting and returning for value, the amount in FULL. Ive also taken the liberty to file 1099a with IRS, which Ive also sent via certified mail along with acceptance for value letter, which expressed to be forwarded to the SEC, Department of Treasury, IRS/CID and the FTC ( consumer response ) expressing the Laws that have been violated prior to me crediting this loan. I will be sending the presentment to the IRS as well as Department of Revenue, this week, to ensure all real parties of interest are satisfied.

Continuously, Ive expressed to stop phoning, as it gives me plenty emotional distress, while attempting to work together. Carmax took 3 months to reply to letters sent since XXXX certified mail, again violating FCRA laws. There are $ XXXX {$5000.00} penalties attached to these shortcomings. I would like to set a credit claim against Carmax In these lights, as we are remaining in good faith from CFPBs civil settlement fund.

Citing Public Law 73-10 HJR 192, also known as the Gold Clause Repeal Act, was passed in 1933. This law prohibited the payment of debts in gold or any other commodity. Ive learned this loan became securitized and is being publically traded amongst several shareholders. Would like to administer the proper process or procedure to discharge this debt.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Here is a portion of one of many letters I sent : " I am responding to Capital One 's letter dated XX/XX/XXXX regarding a disputed charge from XXXX XXXX XXXX in the amount of {$120.00} dated XX/XX/year>. Although I have gone through this issue at length with your customer care rep on the telephone, it seems I am now required to reiterate the reasons for which I am disputing this charge. 

In sum, XXXX  is a XXXX  car service that provides airport transportation. They did not pick me up at the airport, the driver wanted me to meet him at the opposite end of the large terminal -- a good XXXX minute walk from baggage claim and so I took a XXXX  cab home. Now, I am asked to pay for the fact that this very clueless driver showed up at all, though no service was provided. He stated he couldnt meet me at baggage claim because security would not permit him to pass through without a boarding pass. 
The baggage claim pickup area in NO WAY requires one to pass through security, as was demonstrated by the line of drivers from other services holding passenger signs and meeting them at baggage claim. The XXXX driver suggested we meet at The XXXX XXXX at the opposite end of XXXX XXXX XXXX XXXX, a very long distance away. I told him on the phone this was not the service I contracted for, and he said he understood. I took a cab home ( see charge on statement ), and yet was billed by XXXX. ''
Consumer complaint received 2024-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

I have been trying to get the check from Wells Fargo that I am due following the settlement in the courts. There is a claim in place but they continue to not answer questions and follow up regarding the processing of my refund. The claim # XXXX. 

I have called several times at # XXXX XXXX XXXX, and I just get the run around from the third party vendor handling the claim. I need help with looking into the status and continuous delays of my claim settlement please. I'v asked to speak to a supervisor. They say they will transfer me to the escalation dept. But when they say they will transfer me the phone just disconnects. It has happened no less that 10 times in the past two weeks. 

I need help with looking into the status and continuous delays by Wells Fargo of my claim settlement please. Wells Fargo is not compliant with the settlement and has no accountability or commitment to customer relations and compliance with the settlement.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

I am a Citi priority customer and holding this account with them for many years. I am based in XXXX and initiated an international wire transfer for USD XXXX on the XXXX of XX/XX/XXXX. On the XXXX of XXXX, I received an email stating that my wire transfer was on hold and that I should call on XXXX. Addtionally it stated that if they dont hear from me, the wire would be cancelled. I promptly call this number and after some verification related questions, I was thanked for the verification and told that the transfer would take XXXX hours. 
However on the XXXX of XXXX, I received an email stating the wire transfer was cancelled because they could not reach me. My correct phone number is on my Citi profile and I did not receive any phone calls from them. 
I had to initiate another transfer, called them again for the verification and once more I got an email stating the wire transfer was cancelled because they could not reach me. 
Since Citi does not have an email service that i could write to them, I posted my grieviance on " XXXX  '' and was promptly called by someone from their social media team who also helped me connect with the Wire transfer team who completed another verification over the phone. The XXXX wire transfer was however also cancelled by Citibank and I have now initiated a XXXX one which is pending and my worry is that this one will get cancelled as well because its the same sequence of events that is repeating over and over again. 
I just called their wire transfer service and completed XXXX more verification as well. 

The entire episode has already cost me XXXX XXXX XXXX  of international phone calls, being put on hold for several minutes each time, embarassment with the intended recipient of the wire transfer as well as torture and anguish. 

I work with other international banks like XXXX in XXXX and it is very clear to me that Citibank is working with outdated systems and technology. I am a XXXX XXXX XXXX XXXX  and feel like i am having to beg with Citi for my own money. 

Last but not the least, I would like to mention that I have had an exactly similar experience with Citi in XXXX where the transfer was cancelled at least twice before it was finally processed. 

I have attached screenshots of emails from Citibank as well as a screenshot of my phone with calls made to Citi. There are several more calls made using XXXX.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I received information from XXXX ( XXXX ) XXXX XXXX-Senior Case Manager ' stating that a violation had occurred with my mortgage. The " Deed of Trust '' and the 'Note '' had been separated by NationStar XXXX I was told by XXXX XXXX that a law firm by the name of XXXX XXXX XXXX ( XXXX ) could fix the issue for {$4000.00} and it would take four months to resolve. XXXX XXXX state that my rate would be lowered to 3 % and all late payments forgivened. I need to know ifthis is true or is this a scam!
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist. 


Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I received a bill for {$22.00} on an account I had closed months before. When I called they said it was for my Cash Advance Account that hadn't been closed. I advised them I went to the bank, closed the account, theny said I owed some money, which I paid, then the owed me money, which they paid, then they cut up my bank card and I left. Months later I get a bill for {$20.00} for the Cash Advance.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX conducted a credit inquiry on me without my knowledge or authorization in XXXX, 2022. I have filed an Identity Theft Report with the Federal Trade Commission and I will attach a copy as such. Thank you for your assistance.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024 my home computer screen was hacked by someone allegedly assisting with a problem. The screen went black and then it was all gone. I had no control over the situation but immediately suspected fraud. I contacted my bank within minutes and indeed a transfer had just been sent. This was not instigated by me and not authorized by me. I drove to my branch right away but there was apparently nothing they could do. My own branch was helpless! My wife and I have made dozens of phone calls to Wells Fargo since the theft and all end up in frustration and many hours of wasted time as if the representatives are only trained to frustrate and deflect. In subsequent calls Wells Fargo has admitted the fraud and that this was unauthorized, but, to date not a single penny has been returned to my account and Wells Fargo remains unwilling to resolve this. I have resisted any formal complaints, having once had faith in my bank, but I am left with no options. I simply want my stolen money returned.
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX initiated an ACH from our XXXX XXXX XXXX to a Chase Bank account. We were given the wrong account number and Chase Bank FAILED to reject the transfer when the account number and the account name did not match. XXXX XXXX maintains that they have no way of knowing that Chase Bank will do their due diligence and make sure ALL information matches the ACH instructions. Chase Bank did not perform their " best practices '' and failed to red flag the transaction. This ACH was for {$13000.00}. 

I would think ACH transfers over $ XXXX should be flagged if the recipient does not match the account number given.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MD)

I have recently heard about the lawsuits against Navient and they have done to me all of the things the lawsuit has alleged. I have been charged late fees and interest even though I have paid consistently through the years. Payments have been misapplied, I have often paid more than the monthly installment amount but those extra payments have not been directed towards principal. My payments have often been misapplied in fact payments at one point were directed to a smaller loan with the same lender ( originally XXXX ) I had that could n't be consolidated in my consolidated loan and that smaller loan got paid in full but I was forced to file a deferment for the larger consolidation loan and during that time interest accrued. I consolidated my student loans upon graduating and in the early years when my income was lower I called many times about income based payment plans and was never given full information about my options. Had I entered such a program my loans would like be dischargeable now since I 've been paying for over 20 years. I have paid much more than I ever borrowed but still owe more than I borrowed after decades of payments due to late fees and interest. I also have had difficulty getting information about my payment history. I have called several times and requested a copy of my full payment history including deferments and forbearance information but it has never been provided. I only have access to what they publish online on their website.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (WA)

In 2006 I was scheduled to receive a cash out payment for {$18000.00} from Wells-Fargo however, I never received it. I called the XXXX XXXX title company in XXXX, WA but they said they sent it to me but I never received this payment. I looked in all the statements from the XXXX XXXXXXXX XXXX XXXX aka ( XXXX XXXX ) but theres no evidence of this deposit or record during that time frame. I inspected the statements for XXXXXX/XX/2006 but no wire or deposit. 
I know its been a long time ago but I didn't realize they refinanced me without my knowledge until recently. 
I never initated a refinance. I had my condo for only XXXX yrs. This happened when the loan transferred from XXXX home mortgage. to Wells-Fargo in 2006. 

I'm asking for your help. I appreciate your attention to this matter. Thank you
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

Our family members have recently received several letters from various credit card agencies notifying us ( three family members in total, all have received similar letter ( s ) ). 
For example : XXXX XXXX letter dated XX/XX/XXXX to me regarding application for credit card ( and cash card ). 
Discover letter dated XX/XX/XXXX to me, similar. 
XXXX  XXXX letter dated XX/XX/XXXX to me, similar. 

I was able to contact XXXX XXXX and Discover and provide information and obtain some information back. 
When I contacted XXXX XXXX the representative stated they were not able to identify the application I was referencing based on my identification of the letter and request ID. Letter dated XX/XX/XXXX. 
Request ID : XXXX Our credit reporting agency accounts ( XXXX ) have been locked ( as far as we know ).
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/2023 to XXXX, XXXX and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (PA)

Multiple calls daily its interrupting my work day. They also already closed my account with them according to my credit report. Company is Discover card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with TransUnion. Consequently, it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Consumer complaint received 2024-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

On XX/XX/2024, I sent a dispute letter and reported a dispute to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$980.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received any response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus.

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.