davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (TX)

Equifax failed to remove unauthorized accounts on my credit report under 15 USC 1681a3. Equifax never obtained any consent from the creditor and did not have permissible purposed to give XXXX XXXX access to My credit report. Equifax violated my right to privacy and have been unfair and partial towards me. 15 USC 1681b2 requires Equifax to have permissible purpose before giving access to my credit report. On XX/XX/2022, Equifax representatives informed me that they could not provide a copy of my consent, or permissible purpose provided by the fraudulent creditor, because they did not have any and did not require it in order to give access to my credit report. This call is recorded. Equifax failed to assure the maximum accuracy of the information concerning me as it relates to my credit report. 15 USC 1681e ( b ) makes it clear that it is the job of Equifax to assure the accuracy before placing false information on my credit report. Equifax informed me that they do not have to do that and if I do not agree with that the creditor has placed, it is my job to contact that creditor. Equifax informed me that they do not conduct an investigation, they give the information to the creditor, and if the creditor says it is valid, they will continue to furnish the information. This is a direct violation of the Fair Credit Reporting Act. 15 USC 1681i states that Equifax if responsible for looking at my information and making an impartial, fair decision with respect to my privacy. 
In their last response to my investigation, Equifax admitted to not investigating my dispute. They gave the information I produced to the creditor ( including the identity theft report and police report ), and allowed the fraud to continue reporting on my account. This is harmful to me and my life. This is hurting my children and myself. This is illegal and a violation of the FCRA. Equifax does not abide by the law and must be held responsible.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA (SD)

I sold the vehicles and then paid the loan off on XX/XX/21 and Yamaha Motor Finance Corporation has not released the title. Yamaha Motor Finance had previously bought this loan from XXXX XX/XX/XXXX. Every time I call Yamaha they tell me they will submit the request to XXXX to release the title and it can take up to a week. I have call three times to request this and they say all they can do is submit another request to have XXXX release the title. I have asked them to escalate this and to call someone at XXXX and they say that they can't, they can only resubmit it to XXXX.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NJ)

The account in discussion is Discover Bank account # XXXX the issue at hand is a late reported in XX/XX/2020. Back in XX/XX/2020 I was sick with Covid-19 and unfortunately I was unable to reach anyone at Discover to defer my payment. Once I was well enough quickly made the payment.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (NY)

I received a letter in regards to a consumer auto transaction dating back to XX/XX/2021. In the letter it states what was in the retail installment sale contract and how much the remaining balance was of the open charged off account. Many of my consumer rights are being violated in this contract and the information is completely wrong. This debt is completely alleged ; the name of the person on the contract is not mine. My first name is XXXX, not XXXX and the address is not where I live. According to 15 USC 1692e ( 2 ), a debt collector may not use false or misleading representation to collect a debt. Chrysler Capital are trying to collect on a debt that is not mine. This is identity theft and identity theft is also a violation of my consumer rights. The finance charge in a contract is the sum of all charges, pursuant to 15 USC 1605 so how could someone owe anything if the credit extended was theirs? As long as the contract was signed the credit was extended. As a signer or co-signer, the person who extends credit is the original creditor. The original creditor is the natural person. Chrysler Capital is using chicanery to collect on an account by all means. I would like this situation to be handled immediately because my livelihood is being destroyed.
Consumer complaint received 2020-12-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2021-05-01
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: Avant Holding Company, Inc. (NJ)

Contacted Avant credit card about a charge for XXXX music that wasn't mine. They sent me to fraud department ( so called ) all the man could do was stop the account and send it to fraud department he wanted to know how long it had been going on. I looked back a few months and found it to have be going on for a few months. I started to look farther into the account. I found out the first time I applied was XXXX of 2018. It said closed second was opened XX/XX/2018 XXXX has a few little charges and then I see a balance carried over but it said nothing from where, I ask them about that girl look into it more said she doesn't understand there was a third account! I had thought these were house bills I paid with the card or something then I seen a charge from XXXX  XXXX  XXXX and cash advance XXXX. I should of taken a screen show of it because since i.said something now it is gone. We refinanced the house to get out of debt I was fine for one month and again the 9 something shows up on my account again. I have spoken to this web based credit card company 6 times telling them they never closed my account they said they did I had to out a stop on my account I have been making payments on for over 5 years now on things I never changed. And no one as yet to call me back. Please help me figure this out I am disabled and can only put out the money that has to be. Please help me XXXX
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I have received collection letters from Diversified Consultants , Inc., XXXX. XXXX XXXX, XXXX, FL XXXX, attempting to collect {$750.00} on a debt to XXXX. The " Agency Reference Number '' is XXXX. The " Account XXXX '' is XXXX. I previously discovered a report of this alleged debt on my credit reports. I disputed it successfully to the credit reporting agencies, who removed it from my reports. However, I subsequently received the debt collection letters that are the subject of this complaint. I disputed that debt to the agency. The agency responded that XXXX verified that the debt was valid and included in that letter a copy of an unpaid bill from XXXX. That bill was addressed to someone named " XXXX XXXX '' but residing at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The bill was for services provided in XXXX. I have never lived at that address. I did not request or receive services from XXXX in XXXX. I last had an account with XXXX in XXXX, which was fully paid and closed. 

It is apparent to me that someone with my name or using my name incurred debt and did not pay. I am being billed for someone else 's debt.
Consumer complaint received 2017-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I transferred ( Wire Transfer ) money from XXXX XXXX XXXX on XXXX/XXXX/XXXX to Coinbase, Inc amount of XXXX USD. The Money was transferred same day from my bank account. I have contacted the recipient through there web site asking about the status of the transfer. I have requested them 5 to 6 times in past 5 days. They responded for my 1st request asking the Federal Reference number for the transfer. I sent the required details, but till date no response from them. The CaseID with CoinBase Inc is XXXX. Attaching the Email exchange and Bank Statement ( To Confirm the money was transferred from my account ).
Consumer complaint received 2017-09-21
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)

Equifax has exhibited unacceptable negligence in collecting my personal credit information, allowing access to my credit information and securing that information from mis-use. Equifax collected critical information without my express consent then through inadequate security measures enabled that information to become accessible to others without my express consent. I believe I have the right to deny them access to, storage of and distribution of all information about me because of this breach. Their site does not allow me to demand the deletion of my personal information from their databases or allow me to expressly deny them future access to anything related to my personal or credit-related information. I demand all personal and credit-related information be deleted from their access now and forever, immediately and without further debate.
Consumer complaint received 2022-08-12
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-22
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. (NV)

Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX I opened a dispute with Bank of America on a payment I made online with my checking XXXX XXXX, XXXX to the Ma XXXX XXXX XXXX my payment of {$320.00} for dental insure was to be made by XXXX XXXX, XXXX. For some reason the XXXX XXXX had been cancelled on XXXX, XXXX and the customer service dept XXXX was unable to fix it. I told the XXXX XXXX that I needed a refund if my insurance was cancelled and my payment was for XXXX and XXXX they said to file a dispute with my bank. Which I did on XXXX XXXX Bank Of America gave me a refund of {$320.00}. They said an Affidavit would be mailed to me in the next week and that I needed to fill it out and send it back which I did the first week of XXXX to XXXX. O XXXX XXXX I had a message on my phone saying they had not received my paper work yet. I called the claims department at XXXX pm I was on the phone with a lady in claims she said it would be best to have her fax the page to me and for me to fill it out again and fax it back which I did to XXXX I used my access line with XXXX I had a copy of the fax and it says received.I was told the claim was all set as long as the merchant did not dispute my claim which they did not they had given me a reference number XXXX that would pull up the credit. On XXXX XXXX I got an email notification that my account was over drawn by {$400.00}. I thought we were victims of fraud but I was told that they took back my credit of {$320.00} because I did not send back the affidavit which I had done over a month ago. XXXX in the Claims department was rude told me too bad its done and that they do Not ever reopen an investigation that it was my fault?? I told him I had proof and could sent them the fax report he kept arguing with me I demand a Manger and was transferred to XXXX he asked me to fax the affidavit to him directly at XXXX which I did as soon as he re faxed the paper to me. XXXX told me to call back Wednesday XXXX XXXX. I did at the number he gave of XXXX turns out to be a general number for the claims department. I spoke to a XXXX and she said they ca n't help because I have still not faxed the affidavit back? I told her the number XXXX gave me and she said that it was wrong had no idea where he got that she said to fax it to XXXX which I did. Meanwhile that bank has returned XXXX automatic payments from my account and bounced 11 items from XXXX XXXX. It 's XXXX am and I have spoke to two supposedly mangers at B Of A claims and they are claiming that I have not faxed them yet and when they received my fax it will take them two days to look at it i the meantime they said I will continue to have bounced fees. XXXX in XXXX said she is just an account Manger and unable to assist me.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (HI)

I am filing a complaint because I have received a letter from Jefferson Capital on a debt that I owe to XXXX. I have already contacted XXXX, and they said everything is fine on my account, and that there is no money that is owed. This letter came out of nowhere, and there is nothing to justify the debt, other than me owing money for no reason. I've tried the steps on the letter to check there website, and check the account that I supposedly owed, and the account does not show up.
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Bayview Asset Management , LLC - Concur with Bayview Loan Servicing , LLC XX/XX/XXXX - I received the revised XXXX 1098 Year End Mortgage Int. Statement - The Revised statement as of XX/XX/XXXX states the principal balance was {$290000.00} and BLS is reporting total interest received was {$14000.00} showing a reduction of {$10000.00} BLS how did you derive at this amount? Your correspondence letter gave no explanation - BAYVIEW LOAN SERVICING EXPLAIN THE DESCREPENCY in detail. To help you figure it out ... I have attached the Payment History Excel file from the BLS Customer Web Portal - LOOK at row 58 and 60 highlighted in YELLOW. The report shows there was {$24000.00} in the suspense account on XX/XX/XXXX. On XX/XX/XXXX the Suspense account Balance decreased ( {$16000.00} ) and the principal balance was reported to be {$290000.00} - WHAT HAPPENED TO THE {$16000.00}??? There is no balance reported for XX/XX/XXXX in the report as stamped on XXXX 1098 Year End Mortgage Statement I have yet to receive the Revised XXXX 1098 Year End Mortgage Interest statement The payment History that is reported through BLS Web Portal shows in detail where payments were not being applied on a regular monthly basis. NO where on the report does it show where the Trustee partial payments were being applied. INACURATE PAYMENT REPORTING HAS CAUSED THIS PROBLEM. BLS Please report your response through the CFPB web portal so both sides to the story are revealed.
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (CT)

The month of XX/XX/2018, I received checks from Sears Mastercard stating that I could use the checks for a balance transfer. I sent one of the checks to pay off another account. In 2 weeks, I checked the account to make sure it was paid off, and it was not. I called Sears Mastercard, and they argued with me telling me it took 2 wks turn around. I waited the 2 weeks, and still nothing. I called Sears again and told them, I was going to find another source to pay off the card as I only had one week to avoid their deferral interest charge. They told me they would stop payment on the check but charge me XXXX dollars for their inconvenience. Sears told me the slowness of the US mail was not their fault. I told them it was not my fault either, but they would not stop payment on the check. Ten days later, the card I was paying off received the check, and I thought everything was fine, but Sears said the check reached its expiration date, and they would not use it. Now I have a {$600.00} charge from the credit card to be paid off, as well as a bounced check charge. I will never use a Sears Credit  Card again, and will stop purchases at Sears for using the services of XXXX.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

we are a XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/21 a customer sent {$7200.00} through paypal to pay his bill. the customer was very satisfied with no problems. paypal had then decided to flag this transaction due to its high value asking us to provide business documentation ( tax id #, and address verication ). upon receiving these documents they then asked for the owners ssn and passport #. we asked why and their response was " its part of our verification process ''. we then asked " what does the owners personal information have to do with the business info? '' there response was : " its part of our verification process ''. everytime we called they gave us a different date as to when they were releasing the money. at first they held the money for 5 days, then it was a week, then it was 10 days, then 21 days, then 30 days, after at which time they eventually decided to permanently freeze our account. 
unfortuneatly there was still a balance of {$7000.00} ( minus paypal fees ) that was still left in the account. we were then told that paypal may hold the funds up to 180 days, at which time they would email us with information on how to access any remaining funds. they have and continue to say that the money is released but we have no access to it. they act like a bank - take fees- and then confiscate my balance. 
we are contacting you to hopefully get the funds released before then. for a small business this money is a months income for me, I cant even pay my sales tax. 
We've heard from customers that paypal has held there money for 6 months and after 6 months they informed the customer that they were holding the money for another 6 months with no reason given. how could a company hold someones money for 6 months without any justification? In my opinion this is a fraudulent business tactic and should be addressed by the authorities immediately. 

thank you in advance
Consumer complaint received 2021-01-21
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. (OH)

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.