davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

- A credit card bill for the month of XX/XX/XXXX-XX/XX/XXXX, for {$3000.00} ( with a minimum payment of {$30.00} ) was due on XX/XX/XXXX.

- A payment for the full amount of {$3000.00} was mailed. The payment posted on XX/XX/XXXX ; two days late.

- The bill for the month of XX/XX/XXXX-XX/XX/XXXX, for {$4500.00} ( with a minimum payment of {$110.00} ) was received. This included a late fee of {$25.00} and interest of {$73.00}. Payment due date was XX/XX/XXXX. 
- I contacted the credit card company customer service. I stated that in view of the short ( 2 day ) delay in posting the payment, I thought the late fee and interest was unreasonable. Nevertheless, after a short discussion, I agreed that, in view of the fact that the payment had posted late, I would pay the fee and interest. I mailed a payment for the full amount of {$4500.00} ( including fee and interest ). This full payment posted on XX/XX/XXXX, a week ahead of the due date.

- The bill for the month of XX/XX/XXXX-XX/XX/XXXX, had no charges, but another interest amount of {$46.00}. Due date is XX/XX/XXXX.

- I again contacted customer service and spoke to a supervisor. I was told that interest charges accrue over two months, even when all charges, fees, and interest are paid in full. I stated that I thought this was unreasonable and most likely illegal. I stated that I had no intention to pay the additional interest.
Consumer complaint received 2020-07-27
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-27
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. (TX)

I have an account showing on my credit report for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

New Balance {$37000.00} Minimum Payment Due {$740.00} Payment Due Date XX/XX/2020.
Consumer complaint received 2024-03-21
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: CarMax, Inc. (DE)

I am writing to file a formal complaint against CarMax Auto Finance regarding their handling of my vehicle repossession, specifically the lack of proper notification and failure to comply with consumer protection laws. The details of the complaint are outlined as follows : 1. Lack of Written Notification of Repossession : I was never notified in writing of the repossession of my vehicle. According to federal and Delaware state laws, creditors are required to provide written notice prior to repossession. However, I received no such notice from CarMax Auto Finance.

2. Failure to Provide Notification of Reclamation Procedures : Following the repossession, I did not receive any notification regarding how or when I could reclaim my vehicle at auction. This lack of communication deprived me of my rights as a consumer and prevented me from taking necessary actions to mitigate the situation.

3. Absence of Notice Regarding Auction Sale Proceeds : Additionally, CarMax Auto Finance failed to provide me with a letter stating the amount for which my vehicle was sold at auction. This lack of transparency violates consumer protection laws and deprives me of crucial information regarding the disposition of my asset.

4. Failure to Provide Required Tax Documentation for Charged Off Account : Furthermore, the account related to the repossession was charged off by CarMax Auto Finance. Under federal law, companies are required to issue a Form 1099-C to taxpayers when a debt is canceled or forgiven. However, I did not receive any such documentation from CarMax Auto Finance, despite the account being charged off.

I believe that CarMax Auto Finance 's actions not only violate federal and state consumer protection laws but also demonstrate a disregard for ethical business practices.
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NH)

I have requested a final statement from XXXX and Jefferson Capital. No one will send me my statement from XX/XX/year> and the price the vehicle was bought from auction. I believe the amount owed is incorrect and want to check the validity of the amount owed prior to making a payment.
Consumer complaint received 2022-08-26
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. (TX)

In accordance with the Fair Credit Reporting act Capital XXXX Auto Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # 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 2022-02-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANNER CORPORATION (OR)

I made a regular mortgage payment on XX/XX/XXXX in the morning. 

We decided to pay this mortgage off as the bank makes posting errors about interest and principal. And the bank gives us different information every time we talk to them, ie get one receipt for interest, one receipt for principal ; another person says no that is not right it has to be redone. All payments have been made on site as the bank can't seem to record anything correctly and has a different rule each time we talk with a rept- however we are never allowed to talk to a mortgage rept as that is a separate department and they don't take calls. 

We paid off the mortgage on XX/XX/XXXX in the afternoon. 

Other than the receipt we received for both transactions listed above, we have not received a pay off statement, or any documentation that the property has been released by the mortgage department of the bank. We did receive a 1099 which lists a balance on the mortgage. We don't have a balance. 

My husband talked to the Bank manager who referred us to the mortgage depart. 

I called the mortgage department, they did not respond. 

I've sent a total of 6 letters, no response. 

I would like a list of every payment made for 2021 and the applied interest for my account to verify. 

I want documentation of pay off of the mortgage. 

I want the property 'released ' per county records. 

It's been almost 3 months, this is an unaccepable business practice.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (MI)

My car loan finance company changed in XXXX. The company I originally financed my company with closed. 

I financed a XXXX XXXX XXXX. 

I financed the car for XXXX. My payment amount is XXXX with a 25 % APR for 50 months. 

The interest and principal on the loan is supposed to go down each month. However, the amounts are inconsistent. Some months I'm not charged a principal, just interest. Some months the the interest exceeds the principal. ( Please see the document attached below. ) I have called customer service on numerous occasions and none of the customer support representatives or supervisors can explain the variations and why the amount still owed on the loan is still XXXX when the finance amount was XXXX. 

I have requested that my original contract be provided to me with various reps and no one is willing to provide me with those documents. 

I believe my principal and interest charges are incorrect and that they have been overcharging me and nothing has been paid towards the car loan because they have excessively continued to overcharge me with principal and finance fees.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I don't recall having a contractual relationship with this collection company PORTFOLIO RC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with The Fair Credit Reporting Act XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 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 my account without my written instructions.
Consumer complaint received 2020-07-27
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. (NJ)

On XX/XX/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, XXXX & TRANSUNION have not removed it from my credit report.
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (MS)

I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to XXXX XXXX collection agency requesting documentation this agency has the right to collect on a discharged debt. XXXX XXXX sent me a letter advising me this collection was assigned to them ; however, XXXX XXXX fail to provide me in writing any written agreement between XXXX XXXX collection agency and Speedy Cash. The information provided was the loan agreement signed with Speedy cash, whom choose to charge-off this balance. I contacted XXXX XXXX by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between XXXX XXXX and Speedy Cash ). XXXX XXXX representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and XXXX XXXX doesn't have the right by law ; XXXX XXXX change the reporting payment to reflect past due which cause my credit score to drop by XXXX points.
Consumer complaint received 2022-01-15
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. (NJ)

XXXX and XXXX delete a non-accurate XXXX bank account on my credit report... Meanwhile, TransUnion is refusing to delete this account, and they never could verify this account when the latest proper documentation ....
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

This company is trying to collect {$98.00} and {$1200.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2022-02-17
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 — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC (TN)

I was a victim of identity theft in which all my personal belongings were stolen. Someone opened this account fraudulently in my name. I tried to dispute this collection several times with no luck. The collection agency, NCA and the original creditor, XXXX XXXX failed to do proper research and validate that this account actually belongs to me. I have not received any written documentation or proof regarding this matter. I tried contacting easy money to try to get this resolved and this company is no longer in business.
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (FL)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 49 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (FL)

Awhile back I obtained a online payday loan. With a myriad of papers to sign and in a act of desperation i did not read everything and signed. Out of no-where i receive a wage garnishment paperwork in the mail and my pay stub for the current pay period and has already began taking money from my paycheck without a court order.
Consumer complaint received 2022-02-17
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. (GA)

I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files. 

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 XXXX XXXX XXXX XXXX ( Account number XXXX )
Consumer complaint received 2019-03-27
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: Resurgent Capital Services L.P. (FL)

I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX  ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX  and XXXX ) and not XXXX. All of this occurred around XXXX XXXX. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by LVNV Funding on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CO)

They consumer agency has reported me having different aliases., another on just recently reported me as deceased. Also on my report I have an agreed settlement for a vehicle That's XXXX XXXX XXXX i don't owe anything on it but keeps popping up. I been disputing it for years along with other incorrect information. I have received credit score from the agency that read XXXX on a couple of different applications in the past no joke..They got me screwed up for someone else. Consumer Reporting Agency is ruining me. Seriously.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  Account # 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 2022-08-26
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. (FL)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2022-08-26
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. (FL)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$4800.00}
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

I am unaware of the nature of this debt, I didnot receive proper notification of this debt before it was reported on my credit reports. IF in fact you believe that i received proper notification, please provide a copy of the certified mail receipt with my name and signature on it stating that I received it
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

This is the clear unlawful illegal sharing of consumers personal information that created ponzi scheme allies debt payments of the Name Brand users personal debt Communication Tactics. I do not owe nothing whatsoever to XXXX yet a third party I have never done any business with have my social security that is with Identity Theft it is illegal. This Account has being PAID and CLOSED from XXXX XXXX, and I have been to several different locations over three or four times to get this illegal SCAMMING and FRAUD that is with Identity theft resolved which I was given the receipt acknowledgments that makes it ALL FINAL AND CLOSED. NO DEBT TO PAY WHATSOEVER, this is FRAUD. There is too many BRAND NAME USERS where no one can keep up with which XXXX BRANCH must take the account close off, so every which thousand branch will up load new false information and play the treat game to get paid as if you need to pay every branch DEBT. No matter the false account request these company have the rights to right off their debt so they are doing illegal ponzi scheme selling dead debt that make it double dipping illegally, when they can write off their debt and sell in wholesale market share to create their own debt pay off.