davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (TX)

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. 

Legal Basis for the Complaint : XXXXXXXX XXXX XXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. 

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. 

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. 

Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. 

Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 
US DEPT EDXXXX U S DEPT OF ED/XXXX U S DEPT OF EDXXXX US DEPT EDXXXX US DEPT ED-XXXX
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (PA)

BMW Financial has on my credit reports with all 3 Credit Bureaus Paid as agrred ) XXXX per month for 62 months I did not make payments no 62 months to BMW Financial The car was paid off in 1 year and half not 62 months as to late payment showed and errors in BMW reporting information. 

XXXX  there was a call to BMW to delay A payment during covid due to my account was hack and was told that it would be no problem on the call. 

Rep did not provide no confirmation number all she said it be no problem due to the proble, By XXXX credit report Info is wrong submitted by BMW Financial paid monthly for 62 payments the car was paid off in 1 year in half not 62 moths as showing on my credit report for XXXX XXXX. 

BMW Financial Services has incorrect info on all 3 credit reports as to pay off and not no 62 months was the car paid on 1 year and half and paid off BMW F Services has a reporting error on all 3 credit information not accurate by there reporting as showing loan paid off in the months of 1 year and half not 62 months. 

It appears BMW got mad when paying them off early of the car 1 year and half.
Consumer complaint received 2024-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Tower Loan of Mississippi, Inc. (LA)

A Live check was sent by mail to my old address. The current resident there is suspect cashed it fraudulently. Went to Tower Loan to figure out how that could happen, they only helped with an affidavit of forgery.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Fraudulent crypto companies are charging my account, and my bank Chase is allowing the charges to go through from the beginning of the year despite calls to blacklist merchant from account. I have never owned a crypto account and have made them aware of this
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX - XX/XX/year> XXXX
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (OK)

I held a mortgage with US Bank for XXXX XXXX years in good standing. Toward the end of the note, my husband ( whom I was a non-filing co-debtor with ) made some poor choices financially and had to file a XXXX XXXX XXXX that DID NOT include our mortgage. US Bank took the account ( XXXX ) completely off MY credit report, even though I had XXXX involvement with the XXXX and the mortgage was not included in the filing. When I contacted them to inquire about it, they gave me a very non-specific response involving ensuring they follow bankruptcy guidelines so it felt like I got nowhere. I contacted them again after the non-specific letter was sent. They stated they would reinstate it on my credit report once we paid it in full. The monthly payments the entire life of the note were never missed and the account was paid off in full on XXXX, however, this is XX/XX/XXXX and the account has not reflected back on my credit report as a balance paid in full nor was any of that history of good payment reflected back on my credit report. Their actions of taking it off in the first place negatively impacted my credit score and I have been trying ever since to get it recovered. This entire situation is unwarranted and completely unfair given my circumstance.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (GA)

I teceived XXXX text messages from Radius Global Solutions, a company I have never done business with. Instead of clicking in yhe links in the text, for fear of phishing, I googled the company and called. The rep looked up my phone number, but had an incorrect first name XXXX which is not my name. I asked who their client was or what the name of the company was, because in yhe past 6 months, I had several fraudulent accounts surface. He then proceeded to ask for personal info like XXXXSSI and because I would not provide that he refused to provide the creditor info alleging that it was against their practices. I advised that it is also against the FDCPA to refuse to provide it. I advised that I would be filing this claim because I am unsure if they are scammers to spite seeing on XXXX that this is supposedly a legit company. I have no collection accounts. I am a collector myself, so I am unsure why this company with these foreign people with thick accents that obviously do not follow FDCPA contacting me. They also did not give the mini-miranda. I spoke with XXXX  representatives, XXXX  when I called, the other an alleged manager.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute fraudulent accounts that have appeared on my credit report. After recently reviewing my credit report, I identified the following accounts that were opened without my authorization and are negatively impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate disputes within 30 days. Since these accounts were opened fraudulently, they should not be reflected on my report. The FCRA mandates that credit reporting agencies must delete or correct any inaccurate, incomplete, or unverifiable information within the specified timeframe. 

Additionally, under the Identity Theft and Assumption Deterrence Act, it is illegal for anyone to use another persons identity for fraudulent purposes. This federal protection also grants me the right to request the removal of fraudulent information from my credit file.

Therefore, I request the following actions be taken immediately : Removal of all fraudulent accounts from my credit report.

Correction of any negative impact these accounts have had on my credit score.

A written confirmation that the fraudulent accounts have been removed or corrected in compliance with federal regulations. 
Please consider this my formal request under the Fair Credit Reporting Act, and I expect an investigation and response to be completed within 30 days as mandated by law. I am also prepared to provide additional documentation if necessary to support my claim. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these fraudulent accounts have been removed and that my credit report has been corrected.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eagle Accounts Group, Inc. (IN)

I was turned over to collections by XXXX XXXX XXXX for a debt that is not mine. They turned me over to Eagle Accounts for XXXX. The amount of the bill from XXXX is XXXX. I notified XXXX XX/XX/XXXX that I had moved and we were getting a divorce and I needed removed from the account. They did not do that. They do have record of the call and claim that I told them we were getting a divorce and I had moved out but I wanted to keep it in my name. I absolutely did not tell them that and when I asked for the call, they were not able to provide it. I also provided them with certified copies of my divorce decree that stated my ex-husband was to take possession of the house once the divorce was final. Our divorce was final in XXXX and this debt is from XXXX. I have also offered to pay XXXX what is owed to them from my ex-husband if they removed this from my credit report and they will not. I did what I was supposed to do and notified them that I was no longer living there and needed removed from the account. I should not have my credit ruined and be held responsible for the lack of them doing what they needed to do and my ex-husband for not doing what he was court ordered to do.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (MD)

Subject : Urgent Request for Debt Forgiveness Due to Financial Hardship Dear XXXX XXXX, I hope this message reaches you with understanding and compassion. I am writing to respectfully request your assistance with a matter that has become deeply overwhelming for me. Due to the ongoing effects of the COVID-19 pandemic, I have found myself in an extremely challenging financial situation.

Since the Pandemic, I have been unemployed and struggling to keep up with even my most basic living expensesrent, utilities, and daily necessities. This hardship has left me unable to make any payments toward my outstanding balance. Despite my best efforts to find new employment and manage my finances responsibly, the current circumstances have made it impossible for me to stay afloat. 

Given the unprecedented challenges brought on by the pandemic, I am kindly asking you to consider forgiving this debt in full. I truly believe that this relief would allow me to focus on regaining my financial stability, and ultimately positioning myself to contribute positively in the future. 

This is not a request I make lightly, as I fully intend to meet my obligations once I am back on my feet. However, at this moment, I am asking for your understanding as I navigate this difficult period. I would be deeply grateful if you could consider this request and provide me with the financial relief that could make a world of difference in my situation. 

Please let me know if further documentation or information is needed. Thank you so much for your time, consideration, and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

I was text and called Plus emailed via chime from an XXXX XXXX requesting a payment for {$460.00} for a transaction reversal from my XXXX account for an pending transaction XX/XX/XXXX. I just opened my chime account and somehow they hacked my account. I am homeless and was in route an had gotten an earlier email or text stating there was a pending transaction from XXXX for an amount of {$950.00} and change. The caller claimed he was a XXXX rep and I would be requested to xfer the {$460.00} so he could reverse it. Being in a hurry and confused, I failed to check my XXXX account due to having too many applications open on my phone. I was duped into transferring the {$460.00} and when it went through via chime, the caller hung up. I requested the {$460.00} but it was denied of course. Then I texted the person back and was told to " XXXX XXXX XXXX ''. Chime refused to re-imburse me ....
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely. WELLS FARGO BANK XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CASHCALL, INC. (CA)

Good morning, On Friday, XX/XX/XXXX, I received a call from XXXX XXXX from XXXX XXXX XXXX requesting a date and time where I can be served Court Papers. I thought it was a scam and asked who was suing me. She gave me a phone number I could call. XXXX is for XXXX and XXXX. I spoke with XXXX, who advised me I was being sued by CashCall for default on a loan. I honestly didn't remember a loan with Cash Call and XXXX wouldn't provide any information. I asked if I could get a copy of the loan documents, he said no. I asked how much I owed he said over {$6000.00}, due to late fees, interest and court costs. He also said I was going to court but wouldn't provide where, when and what time. I looked through my emails and didn't find any correspondence with Cash Call, I looked up an old email and found communication from back in XXXX. I apparently did get a loan, but the emails aren't clear if I paid the loan or not. I also couldn't find if I received a copy of the loan documents or not. I'm concerned because I am a widow, with a child and I can't afford any garnishments. I also haven't received any court papers from anyone. I'm reaching out to you because, obviously, CFPB had a case against CashCall, but I don't think it was in the state of California. Is there any information or help you can provide? Your prompt attention is greatly appreciated. 
Thank you
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (FL)

I am filing this complaint against Truist Bank/Lightstream for denying my car loan application in violation of the Equal Credit Opportunity Act ( ECOA ). The denial of my loan constitutes a breach of federal consumer protection law, as I am entitled to credit based on my application. Truists decision to deny my loan lacks lawful justification, especially since my credit rights are protected regardless of the contents of my consumer report. 

My loan application provides security interest, and I claim all Titles, Rights, Interest, and guaranteed Equity associated with this application. I am the creditor, not the borrower, as stated under 12 U.S. Code 1431 - Powers and duties of banks. Truists refusal to process the application violates this law and ignores my rightful claim. 

Key Issues : Unlawful Denial of Credit : Truists denial of my car loan application is in violation of the Equal Credit Opportunity Act ( ECOA ). I have a legal right to credit, and denying me based on unjustifiable reasons is a violation of my rights under ECOA.

Security Interest Provided in Application : My application serves as security collateral, and Truists refusal to recognize this fact breaches 12 U.S. Code 1431, which makes it clear that banks are the borrowers. I, as the creditor, provided the collateral necessary for this transaction.

Failure to Recognize Titles, Rights, and Interest : By denying my application, Truist has failed to honor my Titles, Rights, and Interest that are tied to my credit and the security I provided. Without my participation, including my social security number, no transaction can occur. The refusal to process this loan is both unlawful and discriminatory.
Consumer complaint received 2024-09-25
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NJ)

I have been getting false USPS mail. Most recently, False USPS mail NetSpend card.

I have alerted the company.

I have received no answer in a week.

I called several small business retailers in area. No one open account.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX and XXXX late payments were being reported to the credit bureaus as well as I was charged late fees for on time payments. I spoke to reps and this was updated and corrected at this time. Now again in XXXX I am being charge incorrect fees for on time payments made. I have called several times to make complaints and reps refused to allow me to speak to the dispute department. Each rep stated there was no department or I was provided with an inaccurate number. I requested escalation multiple times and was denied. When asked for their badge number or XXXX I was denied by the reps. I made complaints to several reps regarding my credit report being inaccurate and nothing was fixed. The next rep would say no notation was documented regarding my complaints. I made several complaints about inaccurate billing and credit reporting letting them know this has been damaging to my credit and nothing was done about it. At XXXX point I was scared into paying almost {$3000.00} and being XXXX  but my car was never under repossession nor was it behind. This past XXXX my car was deemed a total loss because of vandalism. I was never notified by XXXX. XXXX is reported different amounts on the portal and my credit. I requested a copy of a report from XXXX insurance which shows a lesser amount owed. My car was current and not behind when I noticed a charge off. Per the Texas consumer law a charge off cant be place on an account unless its XXXX  months or more behind and my car payment was current. My billing statements have never been able to be viewed on the portal after several requests and complaints. I requested email only correspondence from XXXX and never received emails regarding my account. I believe XXXX to be deceptive based of inconsistent date and my dealership telling my at the time of the total loss that my final payment was XX/XX/XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Recently, I reviewed my credit report and discovered several inaccuracies. I am writing to formally dispute several inaccurate accounts listed on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions. Specifically, I am referring to the accounts : XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I have previously disputed through XXXX letters without receiving any response. 
Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( 5 ) mandates that if any information is found to be inaccurate or incomplete, it must be corrected or deleted. 

As per these statutes, I assert that the information reported for XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX is not 100 % accurate across all three credit reporting agencies. Therefore, it is my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be addressed within 30-45 days. Should my request not be fulfilled within this timeframe, I will be compelled to initiate litigation to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc (CA)

{$73.00}. 

I have contacted multiple times as you see from the screenshots below. Multiple times. I have filed a detailed police report, I have filed and identity theft report with the FTC. I have shown and proven multiple times it is a fraudulent account no matter what data their system has, yet they refuse to let it go. At this point Im filing a complain with he state attorney generals office, with the CFPB, and I am speaking to a lawyer about possible legal action to pay for damages and my lawyer fees. 
Looks like they're about to lose more than {$73.00}.