davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV FUNDING LLC, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as Missouri XXXX XXXX concerning identity theft and consumer protection. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Additionally, under Missouri law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that XXXX XXXX XXXX XXXXmmediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant Missouri statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that XXXX XXXX XXXX will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I would like to file a complaint against Lexus Nexus over preventing me from getting loans and credit. This year I requested a credit report from them and they refuse to give me a credit report. Lexus Nexus told me that they had information on my unemployment insurance case which I won all three cases. Unemployment insurance refuse to pay me my unemployment even though my boss testified and told them that he has no work for me. years later, I found out that XXXX workers was taken Unemployment insurance money.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to CORELOGIC CREDCO LLC. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank called repetitively XXXX XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX  8 calls in total. again XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, 15 calls in total, including 6 calls on XX/XX/XXXXXXXX XXXX 5 calls on XXXX XXXX, XXXX. Called over the 7 times in 7 days limit on multiple occasions.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



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Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: U.S. BANCORP (WA)

Despite rated falling over the past XXXX weeks US Bank refuses to pass those rates to me and is holding me in a higher locked rate. 

See here from XXXX XXXX on rates dropping over prior XXXX weeks XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (UT)

This is a rental property that is frequently late on payments. Because of this I keep one months reserves with the lender in case of a late payment by my renter. XXXX XXXX took that one month reserves that I had already spoken with them about and instructed to keep in reserve and applied it as a principle reduction payment for the amount of {$3900.00} on XX/XX/year>. Because my renter has been on time up until recently this hasn't been an issue. However last month my renter was late again and I got assessed a late charge of {$170.00} I've since called XXXX  and my new servicer roundpoint a couple of times. XXXX is saying roundpoint needs to reverse that principle reduction payment and roundpoint is saying they can not since they started servicing the loan in XXXX. now I'm just getting the runaround by both companies.
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

On XXXX, I contacted Navient at the provided telephone number of XXXX XXXX and spoke to a representative requesting the School Misconduct Discharge Application. My file was located, representative confirmed the school in question is within the scope of the discharge lawsuit and I updated all contact information ( name, address, telephone, email ) I additionally, sent an email request to Navient 's provided email address of " advocate XXXX navientXXXX '' requesting the request application be sent via email.

On the call, I was told that the application would be received within 7 business days. As of today XXXX I have yet to receive the application. I called Navient again today and they said it was already sent and I needed to wait at least a month. 

They did reply to my email via an automated message that provided the phone number to call, the same one as above. So not helpful.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (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
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

Chex systems has refused to provide access to their online portal. 

Their system keeps sending pins but will not reset a password. There is no way to log into this website. NONE.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I've complained several times about the same issue Well Fargo doesn't properly investigate anything they give you the run around then deny your claim. ALL I have asked from the very beginning is to get the merchants contact information because I can't find it. I have no idea who the merchants are and what the over XXXX chargers were for. The report says internet household goods music advertising lawyer as well as other things. I want proof of the good exchanged and sent to me for ALL the money that was spent. ALL I ever get is that they found no glitch in their system and that I made the purchases. I have not received ANYTHING for the purchases and have begged for a refund to just be denied time and time again
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IL)

XXXX XXXX XXXX ID : XXXX Date of Birth : XXXXXXXX  SSN : XXXX ID Type : Drivers License ID # : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX Early Warnings Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following that appears on my Early Warning Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXXXXXX XXXX XXXX 
Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I don't recognize these accounts in my report. I am requesting the following information be deleted from my early warnings report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I initiated a wire transfer from my Capital One account to another one of my accounts. However, I have been informed that the funds have been held by Capital One, leading to the restriction of my account. 

I kindly request clarification on when my account will be resolved and the held funds will be released.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Denefits LLC (TX)

Subject : Complaint Against 60 Day Credit Repair and Denefits, the collection Agency they use for Harassment and Unlawful Contact Practices Dear Sir/Madam, I am writing to formally lodge a complaint against 60 Day Credit Repair regarding their persistent and harassing communication practices. Despite my explicit instructions to cease contacting me outside of regular business hours, I continue to receive phone calls and emails at odd hours, causing significant distress and inconvenience. 
Details of the Complaint : Company Name : 60 Day Credit Repair Nature of Services : Credit Repair Outstanding Balance : {$1600.00} Issue : Harassment through phone calls and emails at odd hours Agents Statement : An agent from the company explicitly stated that I would continue to receive emails and calls until the outstanding balance is paid in full. 
Specific Incident : On [ specific date ], I was contacted at XXXX XXXX, which is a violation of my rights as a consumer, even after I had informed them of my preferred contact times. 
Agency Used : The agency they used for these communications is called Denefits. 
I have repeatedly informed 60 Day Credit Repair to stop contacting me outside of regular business hours, yet they have ignored my requests. The agents statement that I will constantly receive emails and calls until I pay the balance is both unprofessional and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I request the CFPB to investigate this matter and take appropriate action against 60 Day Credit Repair for their unlawful and harassing practices. I also seek guidance on how to protect myself from further harassment and ensure that my rights are upheld. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I have fallen victim of a job scam. 

" XXXX XXXX '', the Recruiting Manager of XXXX XXXX, sent me a personal email regarding a job application and asked if I was still interested in the position. By fault, of course, I said yes. She proceeded to send an email regarding the initial interview stages, which I completed. Days later, I was offered the job. I signed the job offer letter and she proceeded to connect me with my new supervisor, " XXXX ''. XXXX said there were some hiccups in the financial department at Think so he sent mobile checks for me to deposit into my checking account and use this money to pay vendors for office supplies and furniture. I sent XXXX wires, totally {$6100.00} to an account with XXXX XXXX. My bank, JP Morgan and Chase, put a hold on my account when I attempted a third wire. I spoke to a representative with Chase and they mentioned that my situation sounds like fraud and advised me to discontinue the transfer of funds to XXXX XXXX. 

That same afternoon ( XX/XX/year> ), I set up an in-person meeting with a Bank Clerk XXXX She said claims can not be made in a branch so she called the Chase Claims Department. I filed two separate claims, one for each wire transfer. She recommended not making claims for the fake checks because the checks needed to be processed through the checking department. Chase said there was nothing they could do to stop the checks nor return my wire transfers. The fake checks had not been endorsed and they were deposited immediately. I spoke to the bank clerk about why some checks are deposited immediately and others are held, and she said Chase doesn't have a system for how they handle good/bad checks. My husband, who also banks with Chase, oftentimes waits 7-10 days for employer checks to deposit. 


I have filed a complaint with the following agencies : Federal Trade Commission The Attorney General 's Office The Federal Bureau Investigations office
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (NC)

I had contacted TRUIST a while back asking if I paid the deficit of my escrow I wanted my payments to stay the same on the mortgage. I have always been able to pay the deficit for escrow when taxes/insurance goes up and my payments stayed the same with other mortgage lenders. However, they said even if I paid the deficit my payments would never be the same. I asked why if I pay the deficit before it is due this should not affect my future payments. They said they can't do this. My question is why can they not keep my payments the same if I pay the difference before it is due and my payments remain the same?
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

I checked my report on XX/XX/XXXX and found that there was inaccurate and fraudulent information on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX reported to my XXXX XXXXXXXX XXXX  XX/XX/XXXX reported to my XXXX XXXX XXXX XXXX XX/XX/XXXX reported to my credit
Consumer complaint received 2024-09-10
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. (CA)

I recently purchased an automobile from XXXX XXXX XXXX and XXXX on XX/XX/year>. I went to the dealership with a certified pre-approval letter for {$49000.00}. Which I presented to the finance XXXX at the dealership. At XXXX XXXX did I agree to my consumer report to be accessed by anyone at that dealership. I already had a pre-approval and an {$8000.00}. Cash down payment. Which to the finace XXXX XXXX said there was no need to run my consumer report because I had a pre-approval from XXXX XXXX already, and my exact statement was " Thank you because I do not want my consumer report accessed because I'm trying to get a mortgage loan and any extra inquiries would XXXX that process up for my XXXX children and I, which I can not afford to happen which is why I brought in the pre-approval. " The dealership assured me the wouldn't access my report anyways without my consent because that would be in violation to the fair lending act and against the law. When I contacted Esperian consumer reporting agency to have these unauthorized hard inquiries removed they told me I would have to contact each company and ask them to remove them. I told them that was absurd because I didn't contact these companies in the first place, explained to them that my report was accessed without my explicit consent and that was a form of identity theft. Which the lady replied well hard inquiries don't impact your XXXX credit score and it will make an impact in the first few months. Well there are over XXXX hard inquiries on my consumer report for auto financing within a XXXX  day period and there should be only XXXX. The attached report from XXXX XXXX is highlighted for all the unauthorized inquiries placed through XXXX within XXXX  days.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Hello I hope this message finds you well. I am writing to dispute the cash back for a transaction that I have repeatedly confirmed with customer service from XXXX to XXXX as eligible for the offer. I was informed that I should wait for the cash back to be credited to my account within 90 days. However, it has now been over 90 days, and I still have not received the cash back. After following up with customer service, I was told that this transaction is not eligible for the offer. 

I have screenshots of my conversations with customer service that confirm this transaction meets all the necessary criteria for the cash-back offer. I'd appreciate it if you could look into this issue and correct the error as soon as possible. 

Here are the details of the transaction : Credit Card Last Five Digits-XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant : XXXX ( Booked via Amex XXXX link , pre-paid ) Expected Cash Back Amount : {$79.00} Offer Details : Get 10 % back as a statement credit by using your enrolled eligible Card to make purchases of prepaid hotel bookings ( pay now ) online at XXXX/amex by XX/XX/scrub>/2024. Limit of {$120.00} back in total statement credits. 

Important Terms : Offer valid for pre-paid hotel purchases made online through the following link XXXX/amex using the pre-paid option at checkout ( pay now ) only. 
Excludes pay at property purchases and purchases made over the phone. 
Excludes all other purchases not made at XXXX/amex link using the pre-paid option at checkout. 

I appreciate your prompt assistance in resolving this matter. Please feel free to reach out if any further information or documentation is required.