davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

XXXX XXXX XXXX Marigold Loops XXXX, XXXX, AL XXXX XXXX DL : XXXX Formal Complaint Regarding Unauthorized Access to Consumer Information To Whom It May Concern, I am writing to formally address a serious matter that has not been resolved concerning Lexis Nexiss handling of my personal information. Specifically, I have discovered that Lexis Nexis has been furnishing my information to third parties without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). This unauthorized sharing has caused significant adverse effects on me as a consumer, and I believe it constitutes a violation of my rights under federal law. 
Under the FCRA, consumer reporting agencies are obligated to ensure that consumer information is disclosed only to entities with a legitimate, permissible purpose. However, it appears that Lexis Nexis has not adhered to these guidelines, allowing my information to be accessed in a manner inconsistent with these protections. As a result, this unauthorized access has directly impacted my financial, professional, or personal standing, creating unnecessary hardships. 
In light of these circumstances, I am compelled to notify you that, should this matter remain unresolved, I will pursue legal action to address these grievances. This may include filing a claim for damages arising from Lexis Nexiss disregard of the permissible purpose requirement outlined in the FCRA. 
Please treat this as a formal complaint and take immediate action to rectify this situation. I request that Lexis Nexis : Immediately cease all unauthorized furnishing of my consumer information ; Conduct an investigation into the circumstances under which my information was accessed ; Provide a detailed account of all entities that have obtained my information without a permissible purpose ; Clarify the steps Lexis Nexis is taking to prevent further violations of my privacy and FCRA rights. 

5. Delete Bankruptcy Records : Case Number - XXXX from my credit file. 

Thank you for your immediate attention to this matter. I look forward to your prompt response outlining corrective actions to safeguard my consumer information as required by law.
Consumer complaint received 2024-11-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NY)

My car loan got charged off in XXXX which i wasnt even aware until they tried to repo my car. i never received any letters or emails stating how dangerously past due my account was- this was late XX/XX/XXXX into XX/XX/XXXX, i was struggling with a job since everything was going back to normal. I was unclear with some of the terms of the loan, as loans were very new to me at that point unfortunately. Had I known the outcome then i would have done something differently. I have talked to WellsFargo XXXX times in regard to trying to get my account in good standing again & all options presented to me just arent realistic. The loan amount that i have left to pay off is almost {$12000.00} so when Im given the option to pay that off in 5 payments, its just not feasible. I have tried asking them to reinstate my account, I have talked to other vendors & they told me theres a hold on my account so they cant release any information to financial vendors. 

Im just very confused & would so appreciate some help with this. Thank you in advance.
Consumer complaint received 2024-11-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Hello, I am contacting National Credit Systems regarding the documents for the alleged debt with XXXXXXXX XXXX XXXX XXXXXXXX. Please advise I see inaccuracies and you may want to run fast as this is in violation of my rights with the FCRA and I will escalate this and speak with a lawyer. The line item list you provided does not have my wet signature, I do not owe this property and no damages were made to the unit! Please advise that I have photos of the inside of the unit upon move out as well as communication from the property manager upon move out! I advise you to remove this immediately as I will be speaking with a lawyer and you don't want your name to pop up in this case!

Thank you!
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

In XX/XX/year>, I received notice from a debt collection agency, Midland Credit Management, regarding two debts they claim are associated with retail credit cards originally issued by XXXX XXXX XXXX  and XXXX XXXX. I believe these debts may not be mine or are inaccurately reported. 
XX/XX/year> : I formally disputed these debts with Midland Credit Management, requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I asked them to provide : Proof of their legal right to collect these debts, including original agreements.

A breakdown of amounts owed, including fees, interest, and charges.

Verification of accurate reporting to credit bureaus. 
XX/XX/year> : I also submitted dispute letters to major credit bureaus, indicating potential inaccuracies. These debts are reported as charge-offs, yet I have not received a 1099-C Cancellation of Debt form, which is usually issued when a debt is officially canceled. As of today, Midland Credit Management has not provided adequate documentation to validate the debts or confirm their right to collect.

Due to the lack of validation and necessary 1099-C documentation, I believe these accounts are inaccurately reported. I request the CFPBs assistance to either validate these debts or remove them from my credit report if Midland Credit Management can not comply.
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have attempted several times by mail, email and phone to get collection agency to validate the debt they are saying that I owe. They have failed to provide requested information, prove that the debt is mine, they have the right to collect a debt or remove the collection from my credit reports. I have sent in proof as well that the debt could not possibly belong to me and received no response or removal. 

I disagree with the account listed below which still appears on my credit report. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested. 

The inaccuracies are highly injurious to my credit score TRANSWORLD SYSTEMS INC/XXXX XXXX ( account number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. TRANSWORLD SYSTEM INC failed to investigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexisNexis is reporting a bankruptcy on my credit report and they have put in this data furnisher as the US Bankruptcy Court of Georgia which is false I have attach a letter from the US Bankruptcy Court of Georgia verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information on my credit report and has yet to remove it from my credit report.
Consumer complaint received 2024-09-18
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. (CT)

Please remove all fraudulent accounts and hard inquiries from my credit profile from Experian XXXX and XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (TX)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please fix the following accounts XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$1500.00}
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

My citibank card is holding me accountable for fraud that occured. I immediately let Citibank know about 4 fraudulent charges on XX/XX/XXXX. They properly claimed 3 of the charges were fraudulent but made me responsible for 1 of the charges and let me know I'd be responsible for the charge on a letter dated XXXX XXXX, XXXX. I appealed the decision researched and provided documentation of the fraudulent charge and never heard back. 

I called on XX/XX/XXXX about the 2nd appeal and was told the original decision stood. I was not ever given a response or a reason why this charge was mine. I have provided them with information showing a fake address on the card, my name mispelled on the charge, no verification. 

Documentation has been provided.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I am writing to once again formally complain about Citibanks failure to comply with a court order that mandates my inclusion on all accounts held by the client, as well as access to retirement accounts and the safety deposit box. Despite providing the required paperwork and a clear directive from the court, Citibank has ignored this order for XXXX months. Additionally, the bank has failed to remove a specific peer of attorney from the accounts, as the judge explicitly directed. When I filed a consumer complaint, it was closed without verifying Citibanks claims or confirming the courts instructions with me. Citibanks response incorrectly stated that they could not make the current account a guardianship, which was never requested nor ordered. Instead, they were to simply add me to the existing accounts. This level of negligence and disregard for a court order is both unacceptable and harmful, and I request immediate intervention to ensure compliance with the courts directives. 

See pages XXXX, XXXX, XXXX, XXXX, XXXX of order. 

Without being put on the account, I can not access confidential financial records ( page XXXX ) to provide evidence to file charges against previous power of attorney with the district attorney as mandated within the paperwork. ( page XXXX ) Additionally, Citibank is forcing the client to close her current account and safety deposit box on XX/XX/XXXX which she does not want and is in direct opposition of page XXXX part ( i ). Forcing an XXXX  person to close their bank account is not only unnecessary but also deeply unfair. It disrupts their sense of independence and control over their finances, which are essential for their dignity and self-confidence. Making someone go through such a process at an advanced age adds unnecessary stress and can feel like stripping them of their autonomy. This approach fails to respect their rights and undermines their ability to manage their own financial affairs. She has been a client at Citibank XXXX XXXX for 50 years. 

NOTE : the long form order is XXXX pages and it will not upload with the complaint. I am providing the court order to you in single page uploads.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Chime Financial Inc (CA)

I have gotten numerous pay advance from chime and when I won money online it repays my my pay back partially or in full I won money a couple days ago it paid part of my my payback I got another {$200.00} today and for some reason my account for my my pay is suspended and they said it has to be a {$200.00} limit within a 36 day. Which was {$430.00} all together as well as unprofessionalism lack of accountability false advertisement I did a dispute back in XXXX I had to dispute it XXXX different times with the promise of a provisional credit each time within a 10-day period and I never received any of it, THE NEED TO BE SHUT DOWN..Not to mention when I did my dispute they came up with four different amounts for the dispute which in reality is only onXXXX but they open XXXX different ones because of it.Please adresss this for there are other like my self who are on social security trying to make ends meet during the month, and with a bank like this they can't be trusted and lie to there customers with whatever bogus saying they can think of out of the top of their head... I have attached screenshots in regards to my my pay as well as the dispute if you look on the screenshots you can see that there are different amounts for it which in reality is only supposed to be one...
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LD Holdings Group, LLC (CA)

We are filing a complaint against Loan Depot and their Loan Consultant XXXX XXXX XXXX # XXXX due to negligence, deception regarding rate lock, failure to uphold agreed terms, and failure to disclose crucial information causing substantial financial loss totaling {$170000.00} in additional interest. 

During our initial discussions with the lender, we were assured of specific terms and incentives, with the understanding that our interest rate would be under 6 %. However, when documents came in for e-signing it showed fees and rates that didnt align with what we were promisedand there was no communication about these discrepancies or the latest rate of 6.5 %. 

When we raised this with our loan officer, she told us the documents werent official and we didnt need to sign them, which we didnt. This raised a red flag, as it became clear she had not been transparent with us. Despite promises, the rate never lowered to the agreed 6 %, nor did we receive updates on rate changes. Concerned, we reached out to XXXX XXXX XXXX, which offered us a pre-approval for a 6 %, 30-year fixed loan. We took this to Loan Depot, and XXXX XXXX promised to match or beat it, ultimately offering us a 5.99 % rate. We confirmed we would move forward and promptly signed all documents she sent ( XX/XX/24 ). 

Following this, we received no updates from the lender until 17 days before closing ( XX/XX/24 ), when my fiance got a call saying the rate was now 7.37 %, and we needed to lock it in. We were shocked, as we had been led to believe that the 5.99 % rate had been secured, which was the sole reason we stayed with Loan Depot. At that point, the credit union did not have sufficient time to underwrite the loan, leading us to believe our loan officer intentionally delayed communication, waiting until it was too late for us to work with another credit union. 

She was negligent in not locking in our rate claiming it was too soon even though we were only 39 days out from closing. She did not disclose that we could extend the rate lock, did not inform us the rate was not locked in, and did not disclose that rates were climbing over the course of those 21 days. 

Given the misleading actions of our loan officer, we ultimately decided not to proceed with Loan Depot. We found another lender who could underwrite the loan in time, but the final rate secured was 7.125 %, a significant increase due to the actions of Loan Depot. 

The complete negligence and failure to disclose information completely took away our autonomy throughout this process and has left us paying an additional {$500.00} a month in pure interest totaling roughly {$170000.00} over the course of our 30-year loan.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc. (NC)

Consumer Financial Protection Bureau ( CFPB ) [ XX/XX/year> ] Subject : Complaint Against Bounce AI INC for Violations of The Fair Debt Collection Practices Act and Consumer Law Rights Violations Dear CFPB Complaint Review Team, I am submitting a formal complaint against a collection agency, Bounce AI INC, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Bounce AI INC has engaged in unfair and illegal practices that infringe upon my rights as outlined under federal regulations. I am requesting the CFPBs assistance to ensure Bounce AI INC ceases these violations and provides all required disclosures. 

Specific Violations : 1. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Lack of Dispute Opportunity : Bounce AI INC has failed to provide me with any opportunity to dispute the alleged debt. Under this regulation, a debt collector must clearly inform a consumer of their right to dispute the debt. I was not afforded this opportunity and was denied my legal right to dispute. 

2. Violation of 12 CFR 1006.34 ( b ) ( 5 ) Failure to Provide Validation Information : Bounce AI INC has failed to provide me with the legally required validation information about this debt. Instead, they have reported the debt to consumer reporting agencies without offering the necessary disclosures or verifying the accuracy of the information. This lack of validation information denies me the transparency to which I am entitled. 

3. Violation of 12 CFR 1006.34 ( d ) Failure to Provide Required Disclosures : The agency has not provided any of the mandated disclosures under 1006.34 ( d ), including essential information related to the debt and my rights as a consumer. The lack of required disclosures prevents me from understanding or verifying the alleged debt. 

4. Violation of 15 USC 1681s-2 ( 7 ) ( A ) Unauthorized Reporting and Permissible Purpose Violation : Bounce AiI INC is in clear violation of 15 USC 1681s-2 ( 7 ) ( A ) by reporting an alleged debt to consumer reporting agencies without providing the necessary disclosures or obtaining authorization. Additionally, the agency accessed my consumer report without a permissible purpose, a violation of FCRA. The use of false, misleading representations and deceptive practices further illustrates their unlawful tactics. 

Request for Resolution : I am requesting that Bounce AI INC be required to : Provide full validation information and all disclosures associated with the alleged debt as required by law. 
Cease reporting the debt to consumer reporting agencies until proper validation has been completed. 
Refrain from accessing my consumer report or reporting information without a permissible purpose or without fulfilling all legal requirements. 
Thank you for your assistance in holding Bounce AI INC accountable for their practices. I look forward to your investigation into these issues and an outcome that enforces my rights under federal law.
Consumer complaint received 2024-10-06
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: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report XX/XX/XXXX and found several hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX card XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX