davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (TX)

The day that I got paid and was going to make a car payment through an extension request I had a repo man from the company XXXX XXXX XXXX XXXX show up to my house I had just received a text message an hour before he showed up..He had not latched on to my vehicle and I had asked him to please leave because I was getting paid today and was going to make a payment on my car but he refused to leave. I then called the finance company Westlake Financial while he was there and stated to them that I was getting paid today and that I had a legal right to ask him to leave. I even told the lady on the phone that I would even make 3x the payment over the phone and she told me that I was wrong and that it is legal to breach the peaceful request I had made for him to leave and to take my property regardless of my request. He also stated that the conversation was being recorded with a camera and I was crying the whole time because he was refusing my request, I have the screenshots of my deposit date and also the phone call to Westlake Financial who also talked to me like I was an XXXX and didn't know my repossession rights. The XXXX XXXX was also belittling me by making snide remarks like " I can just put the latch on your car real quick '' as I was talking to the finance company in regards to him not being attached to my car and how I asked him to leave. She even told me that he needs to get paid for his job so he has to take the car or he doesn't get paid. After about XXXX minutes of crying because he refused to leave. Telling me its legal and he can take it if he wants and that I couldn't stop him I just let him. I was completely respectful to this man..I even called him " Sir '' Once I had contacted Westlake Financial again. The {$230.00} car payment I was going to make that day turned into me having to pay {$7700.00} if I wanted to have the car back in which I was unable to do and was sold at an auction. Keep in mind I paid off half the auto loan up front before even driving it off the lot. I was treated with disrespect from the repo company who kept challenging my rights telling me that he knows the law and went against my wishes for him to leave. This is all recorded from his truck through a camera they use and also, every conversation that Westlake Financial has with me that day is recorded and you will hear how emotionally upset I am with the fact that he is ignoring my wishes and forcefully took my car and when he asked for my key I told him I was going to try and pick up the car ( this is before I knew it would be {$7700.00} to get out ) he told me " That is what they all say '' and then used a scare tactic by telling me I would have to pay {$300.00} if I didn't give them the key
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I, the consumer and the natural person, was denied credit by Bank of America when I applied for a new Auto loan {$120000.00}. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil lability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I was discriminated against by BANK OF AMERICA INC due to the response I received.

BANK OF AMERICA is in the violation of 15 U.S.code 1642.U.S.C 1681m and 12 cfr 1002 because I, the consumer made an application in good faith .but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received No benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BANK OF AMERICA
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX XXXX against the divorce decree order as a joint account holder for XXXX XXXX I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS XXXX XXXX XXXX.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH XXXX AND TRANSUNION CREDIT XXXX THANK YOU!
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Incident happened from first time, 26 years ago when Equifax credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including Equifax, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime Equifax report a late or negative payment on consumer is a violation of {$1000.00} under 15 u.s.c section 1681n.
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WV)

I was notified that MOHELA was receiving my loans from XXXX. I have tried to set up an account with them to no avail. I called them and was on the phone FOR AN HOUR. I have recived nothing from them regarding my loans or the transfer. I am unable to set up an account because they said the information I provided them about my date of birth, social security number, and last name are wrong when they are not.
Consumer complaint received 2023-02-03
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (LA)

XXXX, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692 g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer _ reporting agencies. 

Im aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit.
Consumer complaint received 2022-12-12
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. (NJ)

XXXX of my accounts with the student loan servicer, XXXX, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion completely ignored several requests that I have made for them correct my name, address, telephone and employment for over a year. I have filed several disputes regarding this matter and nothing has changed. These inaccuracies are damaging to my personal credit file and it's hindering me from obtaining credit.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (LA)

Jefferson Capital Systems is reporting outdated debts as current, manipulating dates to suggest newness. This practice is illegal under FCRA amendments, prohibiting the refresh of old debt timelines. Immediate correction and compliance are demanded.
Consumer complaint received 2017-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (CA)

I am writing in hopes this does not happen to anyone else, and that my problem is ultimately handled fairly. In XXXX XXXX I refinanced my MEFA loan from XXXX ( now XXXX ) using XXXX XXXX. There was an overpayment of $ 600+ paid out by XXXX XXXX , and my loan today is being charged with interest including the amount. It is now XXXX, and Im now hearing new reasons for delays. Im hearing by each company there was no error. No one wants to take responsibility for their role in mishandling my money. I reached out to XXXX and XXXX XXXX with multiple calls and Hours of time being told one thing would happen, and it wouldnt. I hear conflicting reasons why things are happening. Such as on XXXX XXXX I was assured a check was going to be sent to XXXX XXXX- a SECOND time- and a Supervisor would connect with me- I gave my phone number. No call or message to me. I was not explained during this phone call why when I called in XXXX the check had not been sent originally. And I had already called in XXXX to hear the check takes XXXX days, so I called again after 45 days, a conference call btwn XXXX XXXX and XXXX I believe XXXX XXXX. No one even then after a delay could explain why the check had not been sent. I was told it was going to be looked into. That I should call back. No one had answers. After the XXXX XXXX call, I received a check finally XXXX XXXX That can not be deposited due to how it was written- my name is in the address line and my father as a Coborrower in the name. Even if my father and I had an account together, it is not an acceptable form as written. AND we were told on conference the check wouldve sent to XXXX XXXX. So XXXX I call and speak with a Supervisor from XXXX who explains she will get back to me soon and does not know why this happened. Called today XXXX XXXX and she explained the delay is because they could not track the electronic transfer from XXXX XXXX. So Ive now XXXX XXXX made a third conference call with an XXXX supervisor who explained to XXXX XXXX what is needed- proof of statement, so it will be emailed to XXXX by XXXX XXXX. Im explained this process back and forth to have the check reissued will be another week and half. Then XXXX XXXX has said another two weeks to get to my account, along with interest. So, if I have the story right now, I should have money around XXXX XXXX. Six months after the refinance. I was also explained by this Supervisor that XXXX was the first time she sees a request for a check to get sent out ... despite my conference calls and previous calls. So either XXXX / XXXX Customer Service are deliberately saying call back and well look into it, youll get a check And then not logging the conversation with notes at the very least, OR the Supervisor is giving me misinformation regarding my account. There is far too much Error here and to be told there isnt any and its no bodys fault by the Supervisor Is disrespectful to my time and money.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra (IL)

Aside from the multiple and concerning lawsuits Abra currently has pending, I have found that Abra continues to ignore and provide unprofessional responses in regards to my account. Per my latest communication with Abra, remaining unanswered as usual as of XX/XX/XXXX, Abra continues to ignore my clear concern regarding fully withdrawing funds from my account and continues to discuss a network fee, of which I have no issues over. I am pasting, again, my last response to Abra, who has continued to ignore and not fully or correctly address concerns regarding allowing me to withdraw my funds. I have warned them multiple times over the course of nearly 8 months to resolve this, and they have been largely unresponsive or have had their team copy and paste unrelated responses. Abra, please fully and correctly address my concern. Nothing about my concern is in regards to network fees. My balance fully covers your network fees, that's why there is a balance leftover that is to be returned to me when I am making a withdrawal. If that is not the case, please breakdown the network fees in regards to my current balance : " Again, allow me to withdraw crypto and lift the minimum fee. This is what Im referring to as liquidate. This has nothing to do with network fees, Im aware theyre included. ''
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/XXXX bank of america closed my account, held my funds up until 2 weeks ago then sent my information to other credit check and third parties systems. Never gave a reason why. Also I was an victims of missing unemployment benefits that was sent to bank of.america prepaid card services and just receive funds after two years of emailing, sending proof of fraud and I know they owe me a big interest compensation for hold my money. And my unemployment compensation was almost {$20000.00} and held from XX/XX/XXXX until XX/XX/XXXX.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Valor Intelligent Processing, LLC (TX)

I am writing to file a formal complaint against Valor Intelligent Processing, acting on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX ), for persistent and unlawful debt collection practices. 

I have been receiving incessant phone calls and text messages from Valor Intelligent Processing regarding a debt collection matter. These communications occur at all times of the day, including weekends. The frequency and timing of these contacts have caused significant distress and disruption to my daily life.

Specifically, I would like to bring to your attention the following issues : Harassment : Valor Intelligent Processing has been contacting me non-stop via phone and text messages, often multiple times a day. This relentless contact constitutes harassment and is causing me significant stress and anxiety. 

Unlawful Communication : The company has been sending me text messages on weekends. As per my understanding, contacting consumers for debt collection purposes via text messages on weekends is illegal. 

I am uncertain as to why they continue to contact me, and I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I request that the CFPB investigate this matter promptly and take appropriate action to ensure that Valor Intelligent Processing ceases their unlawful and harassing behavior.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
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. (PA)

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : 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 a account without my written instructions
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

Our Client has applied for modification to save her home from foreclosure on her own and then again with us,   XXXX   XXXX   XXXX   XXXX   She signed on with us for help on   XXXX  . Prior to our help she was offered a repayment plan for 13 months with monthly payments being {$580.00} with a large balloon payment on the   XXXX    month of about {$10000.00}. We reapplied and was given the same plan. Modification was denied due to not meeting investor guidelines. A foreclosure sale date has been se t for  XX/XX/XXXX . This repay ment plan is far outside the affordability of our client due to the strict limited income she lives on. The loan originated on XX/XX/XXXX and matures on  XX/XX/XXXX  with prior monthly payments of   XXXX  . This she can afford.
Her income is only about {$800.00} per month from SSI and limited food stamp assistance. We are hoping that something can be done to stretch this loan out further in order to keep her payments around what they were when it was affordable. She is an elderly woman with medical issues that are ongoing. She fell behind due to these medical issues and would like to get things back on track, because her situation limits her ability to relocate and affordable housing is limited.
We have tried to work this out with the Lender, though they do not want to budge on this.
Please help us find a reasonable resolution.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

i opened an account with pnc bank on the   XXXX   XXXX   XXXX   telling them i am opening the account cause i am expecting fund from ohio and pnc is the only bank in the city that has a branch in Virginia and will be expecting some deposit so i got a deposit of {$6000.00} on the   XXXX   XXXX   XXXX  , a cash deposit of {$6000.00} and another deposit of {$8000.00} on the   XXXX   XXXX   XXXX   XXXX   which was cash also and on the   XXXX   XXXX   XXXX   i tried to access my fund i was told that the fund was on hold it will be release on the   XXXX   XXXX   XXXX   which i was bemused since it was a cash deposit so i called the person that made the deposit the what was the mater he should go back to the branch he made the deposit and see what happened he said everything was ok from the branch so i went to the branch to get my fund and was told there was a hold on the account and was refer to a bank worker who made calls and got no good response or a firm reply he told me to the only other option is to escalate the matter and let the department take care of it. so the next day i went to the branch since i did n't hear from them and they told me they are closing my account and sending me a cheque for the amount. So the next day i got a call from escalating dept that they re closing my account and the wo n't be sending me a cheque for no reason i feel day are trying to sell my money or take it since am a foreigner
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX of my accounts with the student loan servicer, XXXX, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.