davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXXXXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (FL)

On XX/XX/XXXX, I hand wrote a Affidavit of Truth to dispute my account with CarMax auto finance identifying in two exhibits ( a late payment letter and a voicemail they left on my cellphone ) with the violations according to the Federal Laws found in the Fair Debt Collection Act. I mailed the letter off off on Friday XX/XX/2021 certified mail. I called CarMax Auto Finance in an attempt to confirm that to got my letter and to discuss the remedies I asked for as a consumer invoking his right. No one at the finance office or the corporate office were able to answer an of my questions and refused to engage the conversation when I brought up the Federal Laws found in the Fair Debt Collection Act or when I asked to be put through to legal for them to answer my questions. I was told that I only my attorney or lawyer can speak to the legal department of CarMax Auto Finance. Even though I informed the representatives that I invoking my XXXX given right as a natural person to represent myself in this case, I was denied a direct line of communication to the legal department. In the past couple of days I have called numerous time and I have not been satisfied with the responses I have gotten from the representatives and managers at CarMax Auto Finance and the CarMax Corporate office. Along with illegally repossessing my truck on Tuesday XX/XX/2021, I was threatened by CarMax Auto Finance they if I dont pay the late fees and repossession fee, my truck will be up for auction in 17 days after the repossession. If sold I will be liable for the truck payments still. Another violation under 15 USC 1692F ( 6 ) ( A ). Which states taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; I also have a slue of other violations that this company as acted on against and will like help in fixing my credit report and being an example of others who have being violated by CarMax Auto Finance.
Consumer complaint received 2020-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (MD)

Companies Involved : XXXX XXXX and PNC Bank, Underwriting Dealer Services I will try to be as succinct as possible, so please bear with me. 

I had purchased a used vehicle on XX/XX/2020 from XXXX XXXX in XXXX, Maryland. They told me they would be seeking financing through XXXX XXXX. The next day on XX/XX/XXXX I found out I was unemployed indefinitely and permanently due to Covid.  Since XX/XX/XXXX was a Sunday and both the dealership and XXXX XXXX were closed, I contacted XXXX  XXXX first thing in the morning on XX/XX/XXXX to let them know what happened. They told me I couldn't return the vehicle. I did contact XXXX XXXX the same day and they confirmed they did not have my application. 

With the knowledge that I no longer had an income, they side-stepped XXXX XXXX, the intended lender, and sent another application to PNC. One, I never gave them permission to seek financing with another lender ( it clearly states in the financing addendum that they need my agreement to do that. The addendum I will attach. ) PNC turned down the loan and then they then went to another lender, XXXX XXXX, submitted an application, again without my prior knowledge or permission, with the full and absolute knowledge I no longer had an income. XXXX XXXX   approved the application. 
I contacted XXXX XXXX  immediately upon receiving my letter of acceptance from them to let them know that the information they were probably given was false. They have been working with me on this and they did ask me to provide a copy of the application that was submitted to PNC by XXXX XXXX. 

Both PNC and XXXX have refused to send me a copy of the application. I am actually more interested to see what PNC got from XXXX. XXXX XXXX  has suspended any payments to assist me in resolving this issue and have been very cooperative and suggested I contact you. 

I last contacted PNC on XX/XX/XXXX and spoke to " XXXX '' in the underwriting department at PNC in XXXX. She went back and forth between me and the underwriter said that even though it's my financial information, they will not release it to me because their client is XXXX XXXX. When I her to put that policy in writing for me so I had something to go back to XXXX XXXX  with, she refused. She wouldn't even give me the name of the underwriter she spoke with, she wouldn't even give me her last name. Even the branch manager of my local PNC Bank, XXXX XXXX from XXXX XXXX, Maryland couldn't get them to budge on that. 

Ideally I would like to see the application that XXXX sent, but it's more important to see what PNC received. It is my belief and XXXX XXXX  's belief the information they sent PNC was different than what XXXX XXXX received, because obviously XXXX XXXX   would have turned it down too.
Consumer complaint received 2018-10-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TX)

For years I have been trying t

o find out 2 pieces of information from Navient : 1 ) What time of day is interest computed for each of my 10 loans? 2 ) What time of day is that interest added to each of my 10 loans? Navient refuses to disclose the answers to these two simple questions. I request an open response to this request on this CFPB forum.
Consumer complaint received 2020-09-21
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 {$5200.00}, {$1200.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glennon Law Firm, LLC (KY)

A month or so ago this firm has decided to garnish wages for an amount over 3 times what the original balance of the alleged debt was. The amount I owe their client on this charged off this alleged debt is {$1000.00}. They are garnishing my check for over {$3600.00} Im am being taken advantage of and exploited. They are extremely rude to deal with. Wont return calls and are making my life XXXX. This is from a debt that is over 6 years old. I had a payment arrangement with the client I paid over {$160.00} already on this alleged debt. I still believe this amount is incorrect because the alleged debt was paid on before. I lost my job due to THE PANDEMIC. I am just now getting back on my feet and this company continues to inflict harm.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (AR)

CEASE FURNISHING OR RE-SELLING XXXX  XXXX DATA OR REPORTS, WE ARE IN THE PROCESS OF SUING THEM ALONG WITH MANY OTHERS IN CLASS ACTION LITIGATION FOR XXXX XXXX.
Consumer complaint received 2020-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

This is not a duplicate complaint! This is a request of documents and information. This is a complaint because Discover is not sending documentation and information on the account. 
I request method of payments on the account. Specifically, the methods of payments used that bounced. The bounced payments then afforded this person to continue using the card and allowed the credit limit to be exceeded. 
Please, I need method of payments, accounts used, name of these accounts, IP Address, etc. Please call if you do not understand.

I have already sent sheriffs report, FTC identity theft reports etc., and your denial of fraud continues. The documents and information I am requesting will reflect a pattern, the identity of a person, and allow me to update the sheriffs report, and allow me to pursue. I have repeatedly requested this information and you are hurting and preventing me to establish the fraud. 
Again I ask, please call if you do not understand my request.
Consumer complaint received 2020-09-20
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. (AL)

I submitted some disputes. One company said my ID wasn't visible. THAT IS A LIE. One company said I used a credit repair company. I am insulted that I am being accused of using a credit repair componay. I find this language highly offensive. These fraudulent accounts are already causing me emotional distress, on top of the fact of being falsely accused by you guys. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS ASAP.
Consumer complaint received 2020-10-21
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. (MA)

A hard inquiry has been placed on my Equifax credit report which is not mine. I disputed it as fraud with Equifax online, several times, and they keep sending me back the same results, no change. I contacted the company and they said I have to go back to Equifax. 
I am tired of the run around. I never applied for anything with them. 
Here 's the company 's address : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Reported XX/XX/2018 XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (TX)

On XX/XX/2018, I received a call from Hunter Warfield Inc.. I have been attempting to settle this debt with them for almost 2 years now. I have offered a payment plan that I could afford, and they refused to accept that amount. Although it was minimal, it was a payment that would have caught me almost half way up by now, but instead, none of it has been paid. After they called me and I told them what I could pay, they still would not accept it. Even though the amount that they wanted me to pay was way more than I can afford at this time, I decided to call back on my way home from work to go ahead and make the payment arrangement to pay their " acceptable '' price. I recently started working a weekend job along with my full-time position, and was hoping this would cover the " acceptable '' price. So, when I called them back, I got a new representative named XXXX XXXX, who said his job title was " Pre Legal Auditor ''. XXXX belittled me on the phone saying things such as : " Why haven't you and your husband pulled together your funds for the last 2 years to pay this, '' " What would make you think THAT is an acceptable payment?, '' " What have you been doing for the last two years that you still can't make more of a payment? '' I asked XXXX to please stop making it personal, but he continued saying the same things over and over again, claiming that I was wasting his time. It took me asking 3 times before he even told me a settlement amount, which was {$4000.00} out of the {$5000.00} that we owe. He said that he would not tell me the amount because I had stated that I couldn't pay it at this time, so it was pointless to give me an amount because I would not be able to save up for this, as they were planning to take legal action before I'm able to save up. After I was belittled on the phone for about 10 minutes, I asked to speak to his supervisor, who was even worse. 

He said the same things to me that XXXX did, and even at the end of my conversation with him, I said " I am more than willing to pay the debt, so I will do my best to get it to you all as soon as possible. He YELLED at me and said " You don't have time to think about this, you only have until Friday before we take legal action. '' Both XXXX and his supervisor talked about how " their client '' wasn't interested in my minimal payment, yet the account was sold almost an entire year ago, so they shouldn't have even brought the old creditor in to the equation at alll, but they certainly did. 

All of the above is true, and Hunter Warfield would have this on their recorded line, as that was what I was told every time I talked to a new person.
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AZ)

I understand outrageous fee and interest these companies charge. Here 's my issue. Around 3 months ago XXXX borrowed {$600.00}. Fee. 700 % This is often a last resort for struggling individuals. I pay {$88.00} per week. Yes. Per week. 3 months on a {$600.00} loan. Asked payoff thinking balance has gone down. I would pay {$720.00} ... no payments have affected my balance..my end date if I pay per week will be XX/XX/2019. For a {$600.00} loan. Yes I know the interest charges. They say, well YOU AGREED But to owe more after paying over {$1000.00} so far. They should be ashamed. I know I am because I had no other choice. I'm embarrassed but desperate times make people ( me ) make bad financial decisions. Awful.
Consumer complaint received 2020-06-02
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. (NJ)

I reported an error on my credit report to Equifax. 
They haven't removed it from my credit report yet. This was a fraudulent account opened using my details with XXXX XXXX. I have been in contact with them and also went to the bank and verified my identity. Please try and have this removed from my credit.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I purchased XXXX ETH  on Coinbase on XX/XX/2020. 

When trying to transfer that same sum of Ether out of my Coinbase wallet and into my own personal wallet, my funds were unexpectedly withheld for undisclosed " security '' reasons. Even after completing two-factor verification for the transaction, I received a message saying " A withdrawal from Coinbase is being delayed as a security precaution. '' The status of my transaction being displayed as " WAITING FOR CLEARING ''. My funds are gone from my account, but they're being withheld without any ETA or explanation. Coinbase support has been useless.
Consumer complaint received 2021-11-28
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$6300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8800.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report, The credit report showed a credit inquiry that i do not recall authorizing. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that i am reserving the right to take civil action if necessary.
Consumer complaint received 2020-09-20
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: DISCOVER BANK (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.