davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

" I am filing a complaint against Credit Acceptance regarding an account opened in XX/XX/XXXX. This account was reported stolen in XXXX, and Credit Acceptance was duly notified of this fact at that time. Despite being informed of the theft, Credit Acceptance continues to report this account as not only open but also late. This misreporting is a violation of my consumer rights and goes against the Federal Trade Commission 's ( FTC ) rights and regulations. I request immediate correction of this error and compliance with applicable consumer protection laws. ''
Consumer complaint received 2024-08-17
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 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 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 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (LA)

I have been getting email receipts from credit card charges made through Square ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to my old email account ; i requested to have it changed to my new email account ; i was assured it was fixed. this last weekend, i had new charges process via square & their email receipts when to the wrong/old email account yet again. i have confirmed my account was updated with my new email address. i contacted them again, but they are unwilling or unable to resolve this incredibly simple issue. i have wasted much time here, but will not waste more. please help me get them to resolve this simple matter, if they can not, can they really be responsible enough to process and know of sensitive, personal & financial information? i do not think so, or at the very least, it sure doesn't appear that way. thanks for your help! XXXX
Consumer complaint received 2024-08-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (IL)

Ive applied for student loan forgiveness, Im not able to pay it off. These loans are bringing a huge burden on me and affecting my credit score and with that not able to take out other loan to pay off. Part of the student loans that was taken out was given to me with false promises. I took out about a couple thousands to start paying for my education and the school I went to offered me a scholarship to pay most of my loans but at the end they said they were not able to, due to the reason of taking a graduate level course.
Consumer complaint received 2024-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP (OH)

Dear Consumer Financial Protection Bureau My XXXX XXXX XXXX mother and is being held in debt by my U.S. Bank Home Mortgage We'd like to keep our home. They keep talking about having my Brother XXXX XXXX XXXX the Mortage Assistance Application despite moving out of the XXXX XXXX XXXX 5 years ago. We want to keep our home but cut ties with U.S. Bank Home Mortgage is very stressful and destroys our Credit and Names by keeping us in debt and refusing to let just my mother and I sign the loan application. Is it possible for the Consumer Financial Protection Bureau to assist my mother and me in resolving this problem so we can still live in our home?
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I had lost my credit card on XX/XX/XXXX and reported the card lost/stolen shortly after. There was XXXX transactions in total one for {$4900.00}, XXXX for {$44.00}, XXXX for {$40.00}, and the other one for {$43.00}. Once I reported these charges as fraud, the bank adjusted the purchases and my statement was back to {$0.00}. On XX/XX/XXXX I noticed that the charge for {$4900.00} was on my statement now, I thought it was an error and they would fix it but it stayed on my account. On XX/XX/XXXX I called about the charge, and the representative told me that the charge was filed back on my account due to it being suspicious because of a previous fraud charge on my account that had similar circumstances. This was the only piece of evidence they informed me about that they used to reach their conclusion. They only filed back the fraudulent charge of {$4900.00} but not the other ones which occurred on the same day which is strange.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A. (CA)

XX/XX/year> at approximately XXXXXXXX XXXX I called customer service to change my payment arrangements in which I spoke to an employee by the name of XXXX. XXXX whose employee identification number is : XXXX refused to help me. He stated there was nothing he could do to modify my previous payment arrangement. I told XXXX if he could not do it I will contact the corporate office in which XXXX lied and claimed he was located in the corporate office adding insult to injury. XXXX was rude and did not exhibit the behavior that other customer service representatives have exhibited in my past experiences with Citibank. To offer no assistance to a customer who is trying and also lie about the department and position in which he works is not acceptable behavior. XXXX should not be allowed to assist customers in this manner. In addition to that his tone is very rude and obnoxious.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

I kindly requested LVNV Funding LLC. through XXXX XXXX XXXX stop communication and to Cease and Desist of continuing of doing do, harassing, using profane language, false misrepresentation, use of threatful and deceitful allegations that I owe them any money. LVNV Funding LLC. has done nothing but harm, damage and distress me and my reputation by reporting illegal accounts without my written consent, way worse by illegally creating such since I have never and theres no proof that I have ever inquired their company services for any type of service. LVNV Funding LLC. its violating my federally protected rights and my request to stop doing so, effective immediately. If this account continues reporting on any of my consumer reports without my consent and failed to provide proof of our contract, proper receipt documentation or contract stating that you own, are authorized or illegally bought this alleged account, Ill have no option but pursuing this matter in the legal field and seek for monetary relief for every month that this company has willfully no comply with the law by illegally furnished an account that doesnt exist, for identity theft, for sharing private information with third party companies without my written consent, harassed with unauthorized illegal communication, harm and damage my reputation per 15 U.S. Code 1681n.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (MD)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite raising the issue of these disputed accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action.

Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/year>, I had {$40000.00} in my Chase bank account. In same day, My phone number was hacked on by the hacker people and I informed the bank same day. I asked the bank officer, " Should I need to freeze my account? '' The Bank officer told me to change my phone number and email number and debit card number and you will be fine instead of freezing my account and I changed all of them according to the Bank officer 's suggestions. Unfortunately on XXXX XXXX, XXXX  the chase bank sent a passcode to my previous phone ( hacked one ) number and the hacker used that passcode to wire transfer {$25000.00} from my account. It is mentionable that I spoke to bank officer so many times but nothing happened.

In this circumstances, it is my own understanding that the chase bank failed to safeguard my money. So the chase bank has to compensate me {$25000.00} as soon as possible.
Consumer complaint received 2024-07-01
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically XXXX and TransUnion. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of XXXX and TransUnion in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on my credit report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I am writing to seek assistance from you regarding the removal of unknown inquiries from my credit report. Despite making these attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following fraudulent items : I have disputed these items multiple times with the credit bureaus ( XXXX, Equifax, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are fraudulent, my disputes have not resulted in the correction or removal of these items from my credit report. The continued presence of these fraudulent items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

I received a letter from XXXX stating : " After careful consideration, we decided to close your accounts because of your association with a XXXX credit card, deposit or investment account that was previously closed. '' I am unaware of ANY credit card, deposit or investment account at XXXX that has been previously closed, other than the XXXX ( XXXX ) referenced within the letter that will be closed in XXXX -- checking, savings, and credit card. 

When requesting information about which account has been previously closed, they refused to provide any information. When requesting information about other accounts at XXXX that XXXX have been opened within my name, they refused to provide that information. Note : I have opened CDs with Chase that have matured and repaid ; I have also gone through the preapproval process with the XXXX Mortgage Department for the potential purchase of a new property ( but have not pursued that further since we haven't yet found the property that we would like to purchase ). 

Based on this, I am concerned for XXXX reasons : ( i ) XXXX ( or more ) account ( XXXX ) were opened under my name without me knowing about it ; and ( ii ) access to my bank accounts is being terminated based on information that XXXX or XXXX not be accurate, but which is not being provided to me.
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I checked my Cash App and it was - {$1000.00}. 
I contacted support, they said it was a chargeback from XXXX card endiing XXXX and i had to take it up with them, a bank in XXXX. 
I check my account for the transaction being disputed and there are only XXXX failed transactions on the date XXXX XXXX from XXXX XXXX XXXX for {$500.00} and XXXX for {$200.00} I contacted XXXX and there was a language issue and got nowhere. 
I contact CashApp support and got nowhere but them saying to contact the issuing bank. 

The issue is there is no approved transaction to dispute. I was also never notified of the chargeback to fight it. 
CashApp has the obligation to research and investigate the dispute for me and did not. A simple review shows that there was never any approved transactions or funds sent or recieved. 
This seems like it may be a scam where cashapp is hacked and scammers are running it. 
Or CashApp has totally failed obligation to consumer and should be made to pay for damages and time
Consumer complaint received 2024-07-29
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. (TN)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (MO)

This company has violated the Fair Debt Collection Practices Act by continually trying to contact me by calling my employer. I spoke to XXXX of the agents at the local office at XXXX XXXX XXXX XXXX XXXX XXXX and explicitly explained that my corporate office number was not to be used to contact me. I also mentioned that I would be calling at a later date to address their concerns. However, I was notified by my XXXX XXXX that they were still receiving calls from OneMain Financial trying to reach me.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

TrueAccord Corp. is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I request valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond.
Consumer complaint received 2024-08-05
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. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Consumer complaint received 2024-07-29
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. (MA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC. (FL)

On XX/XX/XXXX, I pulled my credit report and realized that there were items and accounts opened on my credit that I did not authorize. 
On XX/XX/XXXX, there was an auto loan that was open utilizing my information such as name and old address along with my social the acquire this vehicle. 

I contacted Exeter Finance, which they explained to me that the vehicle had XXXX individuals on the loan. I did express that I was aware of the individual however I did not sign any papers of authorized anyone else to sign papers on my behalf. 
Exeter advised Exeter current calls and mails me expressing that I can pay off my loan with 2.5 %. Unfortunately, I don't feel as though I should be responsible for something that I did not do. 

Exeter currently has the account on a charged off status with {$8300.00} due on a loan that was initially {$9100.00}. 

I would like that to investigate and if unable to provide proof that I signed the documents and agreed to being responsible for someone else loan.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX