davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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. (FL)

TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB:XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL  XXXX ATTENTION DISPUTE DEPARTMENT To Whom It May Concern : Your company have  violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a  policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX  {$4300.00} Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Selene Holdings LLC (PA)

Applied for a mortgage modification and submitted requested documents several times to get a incomplete application denial letter. 
Every time they requested documents I sent them in, but their mailing system always sends out letters that arrive after the due date and theres nothing I can do about it.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My name is XXXX XXXX. XXXX client of Bank of America. 
I have the credit card visa XXXX. 

I'm traveling in XXXX and unfortunately on XX/XX/2022 I was robbed in XXXX, where the XXXX thieves with physical aggression took my cell phone while I was using it. They blocked my XXXX password so that I couldn't block the cell phone having access to all my passwords and apps. 

Once I had access to my computer, I logged into online banking and changed my online password, and also blocked my debit and credit cards. 

I went to the police station to register the robbery : Report number : XXXX Departamento de Policia : XXXX D.P Sacoma Address : Av. XXXX XXXX XXXX, XXXX Sacoma So Paulo/SP XXXX - XXXX XXXX : XXXX XXXX de XXXX XXXX XXXX XXXX XXXX bank I have the report to send to them *** I contacted the bank to notify the robbery. I informed them that any transaction carried out from XX/XX/2022 onwards was not made by me on my credit card or bank account. 

CREDIT CARD VISA - Number XXXX PROTOCOL XXXX ( RECORDED CALL ) The attendant informed me that there were 6 transactions, 2 of which had been declined by the bank due to suspicious activity and other 4 were still being processed. ( I couldnt see the transactions on the online bank ). 

XXXX {$18000.00} to XXXX XXXX XXXX XXXX {$15000.00} to XXXX XXXX - Processing U {$18000.00} MP XXXX - Processing U {$5700.00} MP XXXX - Processing U {$16000.00} to XXXX XXXX XXXX suspicious activity U {$18000.00} to XXXX XXXX - Declined suspicious activity I informed him about the theft and that they probably had access to all my passwords. 
I said that all the transactions carried out were not made by me, that in fact the 2 transactions were correctly blocked by the bank and I requested that they to CANCEL ALL TRANSACTIONS THAT WERE STILL BEING PROCESSED. I pointed out that 2 of them still being processed ( XXXX XXXX ) were from the same establishment that the bank had already declined the transaction due to suspicious activity. 


Bank resolution : The bank opened claim XXXX, they did not decline the transactions that were still being processed and the purchases were processed on my card on XX/XX/XXXX. The bank responded to the claim saying that my password was used and therefore, they would not refund the amount.
Consumer complaint received 2020-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (MS)

My complaint arises from the lending practices of online lenders. I have noticed numerous complaints regarding a similar company called XXXX XXXX XXXX. These predatory lenders are charging exorbitant A.P.R.s on small loans and not properly disclosing these A.P.R.s. to the consumer until after the fact. In my case, the rate was greater than 100 percentage points over the maximum A.P.R. allowed by Mississippi State Law 75-17-21, which is punishable by 75-67-119. To be specific, I was charged 280.01 % A.P.R for a {$650.00} loan. Our State Law caps that rate at 36 % per annum. The punishment for such a charge is for the lender to forfeit the principal and all interest received. Balance Credit refuses to comply and does not feel they have done anything wrong.
Consumer complaint received 2023-05-13
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: General Motors Financial Company, Inc. (PA)

Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from I XXXX XXXX to have anyone published at all.
Consumer complaint received 2020-06-08
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: EQUIFAX, INC. (CA)

I sending this report because I have many problems with the fraud I found on my credit report i don't have any relation with the fraud accounts I listed those accounts not mine they are wrong information they have everything on their file is some one used my information and used.
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE (AL)

Originally, my loan was being serviced by XXXX. I received a letter from XXXX dated XXXX XXXX, 2019 stating as of XX/XX/2019 our loan would transfer to XXXX. XXXX XXXX XXXX and I would receive information directly from them about the processing of my mortgage payments. 

As of XX/XX/2019 I had not heard from XXXX. XXXX. I began calling their offices, citing the letter from XXXX. On or about XX/XX/2019 I was escalated to a supervisor who informed my that my loan was sold again ( before any processing at XXXX. XXXX ) to American Portfolio Mortgage and I would receive additional information from them. 

On or about XX/XX/ 2019 I began calling American Portfolio Mortgage to locate my mortgage loan. I was advised repeatedly they would send a letter. I called about 2-3 times a week, seeking information on where to. I was told they did not have the loan and not to worry, there would be no late fees or issues once they did have the loan. 

On or about XX/XX/2019 I received a letter from American Portfolio Mortgage acknowledging my mortgage and providing an old loan number as well as a new loan number. The letter stated American Portfolio Mortgage would begin subservice on our mortgage under contractual agreement on XX/XX/2019. I called them and was advised it would take 10 business days for the loan to be entered. They provided a website I could check and that would allow me to set up my online account. 

I have called 9 times since that phone call, spoken to three supervisors ( two of which escalated and someone was suppose to call me back in 24 hours ). I have checked the website at least 3 times a week. My last call was today to a supervisor who advised she couldnt understand what was going on. 

To date ( despite paying into the escrow to cover these charges ) I have had to pay my house insurance premium and my property taxes out of pocket. My mortgage has now not been paid in 4 months because the account can not be locate.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX, has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX, has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (OR)

I am writing to express my dissatisfaction with a consumer credit transaction I pursued with Carvana for a XXXX  XXXX XXXX. After careful review, I have identified several discrepancies in the consumer credit transaction for the automobile I was wanting to acquire that contravene the provisions outlined in the Truth In Lending, and Equal Credit Opportunity Act. I am formally notifying your company of these issues and seeking resolution.

Upon applying for the consumer credit transaction, which involved credit being offered or extended, I encountered what I believe to be misrepresentation on
Carvana 's part. The transaction was portrayed as either a loan, necessitating a substantial down payment. However, this contradicts my initial pre-approval process, during which Carvana accessed my credit card information in accordance with 15 USC 1602 ( i ). Despite being approved, the demand for a large down payment to secure the vehicle raises concerns which is in violation of 15 US Code 1662.

As per 15 USC 1602 ( J ), this transaction qualifies as an open-ended consumer credit transaction since Carvana accessed my credit card. Consequently, the imposition of a down payment violates the Truth in Lending Act, specifically 15 US Code 1662 ( Advertising of down payments and installments ), 15 USC 1605 ( Determination of finance charge ) and which stipulate that all charges must be included in the finance charge. Carvana 's requirement of a down payment, particularly of the magnitude requested, appears discriminatory and runs afoul of the Equal Credit Opportunity Act. This discriminatory practice is evident given the disparity in down payment demands among consumers with similar terms, and the requirement of a downpayment of such magnitude is not advertised and the same across the board for everyone utilizing Carvana 's lending services to obtain a vehicle. When I contacted Carvana through the website chat, I tried to ask the representative if they participated in Truth in Lending, and to inquire about the downpayment. The woman stated that she did not know what Truth in Lending was and would not discuss the down payment, and terminated the chat. I intend on remitting payment to Carvana utilizing US Funds in conjunction with the Consumer Credit Transaction.

Furthermore, Carvana 's actions infringe upon my federally protected rights, rendering them liable under 15 U.S. Code 1611 and subject to civil liability as outlined in 15 U.S. Code 1640. I urge Carvana to rectify these issues promptly to avoid further legal repercussions.

In conclusion, I demand that Carvana address the aforementioned violations and take appropriate corrective measures. I expect a prompt response outlining your proposed course of action to resolve this matter satisfactorily. Failure to do so may result in further escalation of this complaint through appropriate channels.
Consumer complaint received 2022-12-27
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: Mercedes Benz Financial Services (NJ)

In accordance with the fair Credit Reporting Act XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax has refused to remove a name that does not belong to me and is not associated with me. On my credit report, a name I have never been known by or associated with, " XXXX XXXX XXXX '' appears. I have requested that it be removed, but my request has not been honoured.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The bank keeps lying to me saying they will send a wire receipt for my last XXXX wires. 
Each time the lie to me about them being sent or not sent it triggers my XXXX. I then ask for effective communication as an accommodation for my XXXX and each time I make the request they hang up on me. Today I was told to call back tomorrow to make the request then the agent hung up.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (LA)

I XXXX XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for Midland Funding and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at XXXX, XXXX, XXXX on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} XXXX appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (NY)

I asked for a credit card but I never got it. I didn't spend any money but I got the statement which is about {$18000.00}. I called the credit card company and i explained to them i didn't receive any credit card but still they did not solve my problem. and aked me to pay with interest {$28000.00}.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

Please refer Complaint # XXXX during XX/XX/2022. 
This time I made the online appointment 5 days in advance for notary at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX United States ( XXXX ) XXXX for XXXX XX/XX/2022 at XXXX XXXX. 
Appointment was confirmed and i got the reminder also. 
Today at around XXXX XXXX  I got a call from XXXX ( Wells Fargo XXXX XXXX branch ) that nobody is there in this branch for the entire week for doing notary. She has no idea if any other Wells Fargo branch has any notary person or not? 
Why the Wells Fargo online system gave me the appointment when nobody was there? Why the online appointment system not integrated with local branches where the appointment is given? Why there is no backup staff available for doing notary rather than everybody is on vacation?
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (LA)

I XXXX XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX, balance {$980.00}, not my account closed and removed from XXXX. I need it removed from Experian as well. 

XXXX & XXXX, balance {$6200.00}, account removed from XXXX and fully Closed. I need it removed from Experian as well.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company (IL)

I was contacted via text message from Frost-Arnett ( phone number XXXX ). I have no previous interactions with this company. The text message was received today, XX/XX/year>, at XXXX XXXX XXXX. The body of the message is as follows : This message is from Frost-Arnett XXXX a debt collector. Please call XXXX or HTTPS : //payfa.info/ # XXXX.