davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (CO)

I had been in communication via telephone with NewRez mortgage beginning in XX/XX/XXXX in hopes in having my PMI removed. Numerous phone calls with letters stating the same thing. " We are working to gather the requested information. '' I received numerous generic letters until XX/XX/XXXX. 

Finally spoke to another person who finally told me to send in {$150.00} for an appraisal. 
Check cleared, but no one for a couple of months reached out to me to set up the appraisal. 

Then received a letter from Newrez that the appraisal was not where it needed to be due to 4 reasons ( none of them were accurate ) so I was declined. The appraisal had not even happened yet! Do they have a clue on what they are doing? 

Called them again, finally someone scheduled an appt with me. Very unprofessional, snapped pictures super quick and took off. This is now XX/XX/XXXX. 

No response from anyone on the results of the appraisal. Then out of the blue, without the results, another letter came in for me. 

Called again and again and they said they had the results. Finally emailed them to me. I was well above what I needed to be. So I called them again. Then another letter came in for me to give them {$150.00} for another appraisal. What are they doing? 

I need help to have this resolved. I can not afford an attorney.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

I was incarcerated from XX/XX/XXXX - XX/XX/year> and during that time my account was hacked and all my money was used on my account i contacted chime to submit a dispute on XX/XX/year> once i did i received a email the same hour saying my claim was denied and i called them back and submitted a rebuttal and now in waiting to hear back from them, i don't believe they properly investigated
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Company is trying to justify their predatory interest rate payments, as nonpayments. Credit acceptance can not provide the purchase order for the car. That allowed the dealer to falsify documents concerning XXXX  XXXX  payments included in my monthly bill and down payment on the vehicle. When I tried to return the vehicle voluntarily, I called credit acceptance and they informed me that Id still be liable for the balance on the vehicle because I drove it off the lot. So, this compelled me to remain with the vehicle and its overly high interest rates. Credit acceptance is asking me to pay them {$900.00} XXXX  to settle the account. Which is 80 % discounted. What company is willing to take on a 80 % loss just to close an account if they didnt already assume a profit from the contract that was breeched from the start.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (GA)

This is related to my initial complaints. I have completed my identity theft kit as the Regions Bank requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : 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 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 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  For XXXX, I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was XXXX years between the first charge and the one in question. They have opened another dispute about it. Also I called Regions bank to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (MO)

On XX/XX/year> I recieved multiple emails about a Square savings account that I supposedly opened I called the company and informed them that is wasn't me, that I had never even heard of them before. They assured me the account would be closed and that their fraud department would be in contact within a few days. On XX/XX/year> I recieved new messages that someone was trying to access the account and according to the message the IP address is located in Texas, I live in Missouri. Also on XX/XX/year> I recieved a notification of suspicious activity on my XXXXXXXX XXXX card. I do not have an XXXXXXXX XXXX  account. Someone is using my information to open bank accounts in my name.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation (FL)

XXXX XXXX XXXX was repossessed XX/XX/XXXX due to defaulting on first payment. I made a payment of {$290.00} on XX/XX/XXXX and an additional payment of {$280.00} on XX/XX/XXXX in error because Bridgecrest advised the first payment on XX/XX/XXXX did not go through. I requested a refund through my bank for my payment of {$280.00} made in error and they denied it. Now I have no vehicle and no money to get to work.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

There is a BANKRUPTCY reporting on my credit report, This BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

THIS DEBT USAA HAS FILED A 1099-C FORM CANCELLATION OF DEBT, I WANT PROOF OF THE 1099-C FORM FILED FOR THIS ACCOUNT, UNDER 15 USC 1681A 2AI AND 15USC 1681E B, THIS SHOULD NOT BE REPORTED ON MY CREDIT REPORT.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

LATE PAYMENT XX/XX/year> XXXX LATE PAYMENT COMPANY ( XXXX XXXX ) 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-07-29
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. (LA)

XXXX XXXX XXXX  said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contacted XXXX XXXX they said it was sold to XXXX XXXX XXXX XXXX I disputed both agencies because XXXX XXXX still reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company is XXXX XXXX XXXX it is reporting twice on my credit report they are charging me twice XXXX XXXX XXXX is and also XXXX XXXX XXXX XXXX is charging for this fraud
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (AR)

On XX/XX/year>, {$XXXX} was transferred from my account to my son 's account. However, my son can not access his cash app account. Cash app confirms that the funds were transferred from my account to my son 's account and that my son 's account is, in fact, his which they base on various security questions they asked of him and his accurate answers. We have spoken with cash app no fewer than XXXX times, some support staff told us they did not know how to fix it, others cut us off, etc. We told we could speak with a XXXX but were never allowed to because the support staff said none were available. This happened no fewer than XXXX times. I did finally hear from a XXXX who confirmed the transfer and the accuracy of the transfer to my son 's account. Now they say the action is closed and they will help no more. Their case number is XXXX
Consumer complaint received 2024-08-22
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)

In accorda

nce 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report. XXXX XXXX ACCT # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (IL)

In XX/XX/year>, I was evicted from a house owned by a bank but managed by a property management company. In court, a representative from the property management company provided accounting ledgers and gave a statement to the judge. The judge ordered an amount for me to pay and then sealed the proceedingsXXXX XXXX  months later, a company called IQ Data International put a new collections debt on all 3 credit bureaus for the full amount owed. They have spent the last year adding interest to this debt and now theyve reported a late payment on my credit reports. I have disputed this debt with all the credit bureaus and have attempted to explain that this debt has already been settled in a court of law. No matter what I have tried, this debt collector continues very illegal and predatory practices
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

SYNCB/AMAZONPLCC continues to list an account on all three credit reporting agencies. This account is being listed with a " Past Due '' balance of {$4200.00}. However, a XXXX was issued for the same account nullifying any balance on the account. As such, the account should have a {$0.00} balance. 

Furthermore, this account has made monthly payment summary listings with a Charge Off ( CO ) since XXXXXXXX XXXX XXXX This in turn illegally re-ages the account, thereby illegally extending the statute of limitation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

My account was closed due to fraud me and USAA have agreed to not do business anymore they told me they are waiting for my account to fully close I went into my account today after getting a document saying my savings account was closed and preceded to close my check account so my funds can be released once I did that I called in to have my funds released and they told me I would have to wait XXXX again for account to fully close even though I already closed it. Not having my funds in my account has led to my vehicle being repossessed and not being able to pay bills on time this has affected me drastically. All I want as of right now at XXXX on XXXX XXXX is my money in my account them waiting 60 days just to invest the funds in my account my funds even though we agreed to not do business is unethical and therefore them having those funds to invest is breaking our agreement and I plan to seek legal action
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

this is my 2nd attempt with transunion, XXXX, and XXXX  disputing the inaccurate information on my credit report. They have violated the FCRA by not doing a reasonable re investigation per 15 usc 1681s-2 and 15 usc 1681n ; 15 usc 1681o.I am requesting the deletion of the inaccurate information from my credit report. Furthermore all of the debt has been paid per HJR-192, 18 usc 8 , and the Emergency Banking Act of XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

XXXX XXXX has been reporting a bankruptcy on my report from LexisNexis, which shows no information verified, nor if the bankruptcy was DISCHARGE or DISMISSED. This has affected my credit report tremendously which has many errors, place by LexisNexis. As you can see United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  stated that they do not validate from consumers files, this was an error which XXXX and XXXX remove the bogus information being report. XXXX XXXX illegally keep using false information in which this has been an error for years and fail to verify that the bankruptcy was in fact error in cross reference to another individual. I have fought for years to finally have this remove DELETED from XXXX and XXXX. Therefore XXXX XXXX has provided false information and also the fact of not showing when this case was file if its discharge or dismissed. There is no verifiable information listed with XXXX XXXX. The information was verified with LexisNexis not the XXXX XXXX XXXXXXXX this agency lied to avoid the truth that the account was place in error.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

I'm trying to setup bill pay from my computer. I typically use my XXXX and phone, however for work related I need to use windows. I use XXXX XXXX as the browser ( and have tried XXXX XXXX as an alternate ). I can log into my online banking, however when I go to the bill pay section I get an error : " Something went wrong. We were unable to process your request. For help, visit a regions branch or call us at XXXX. '' This problem started on XX/XX/year> where we were using the windows computer to setup bill pays, we were able to set up XXXX new payees and then all of a sudden we got that message. We were able to log onto my personal computer ; XXXX and everything was fine here until it wasn't. I called the XXXX number and put in a ticket XXXX, I also went into the branch and was able to see my bill pay profile on the bank 's window computer. I put in another ticket with them ticket XXXX. All in all, I should be able to access bill pay on any computer but specifically my personal computer ; which is a XXXX and my work computer which is a windows. They are both at the same location using the IP address or internet service provider etc. My username is XXXX