davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AL)

I BEEN REACHING OUT TO LEXIS NEXIS ON MANY ATTEMPTS TO GET THIS MATTER HANDLE AND THEY STILL REPORTING TO INSURANCE COMPANIES INFORMATION THAT IS NOT MINE. SOMEONE GOT INSURANCE IN MY NAME AND BEEN HAVING ACCIDENTS IN CARS DONT EVEN BELONG TO ME AND I ADVISE THEM OF THIS AND THEY STILL REPORTING INACCURATE INFORMATION ACCIDENT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE ARE DATES OF ACCIDENTS THEY ARE REPORTING THAT IS NOT MINE ON MY INSURANCE HISTORY AND LICENSE
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (FL)

I first got a title loan on my car last XX/XX/year> and was making the payments like I do any other bill except every time I paid an insane amount for the loan plus $ XXXX more than what was due each month, I noticed my amount I owed towards the loan was either going up or staying the same. When I asked why am I paying a crazy amount each month yet I am getting now where in the process. I should of paid the loan off XXXX times by then by all the money I put to the loan. The lady said I am only paying to be able to use money again. I said no ma'am that is not what I was told. Just last week I paid {$300.00} on XXXX and the account went to {$3600.00} which is crazy how did it go up but on XXXX I paid {$250.00}, and it went up to {$3700.00}. That is ridiculous. I want out of this loan asap. I have wasted {$6000.00} on a loan that was {$3500.00} and it keeps going up! This is a fraud and a scam, and I am done with it and want out and this place shut down for praying on innocent XXXX XXXX victims that are desperate in need since they have to deal with the other idiots that won't fix her credit reports! Please help me with this and all the other companies that take advantage of innocent XXXX XXXX victims. Thank you!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

I did a balance transfer to Chase they gave me a offer for XXXX XXXX till XXXX. 

From one month to the other they started charging me Interest for my balance transfer before XXXX  They saying it's like this because when I do a payment for my new purchases from this months statement they put the money towards the balance transfer first so after that they say that they have a reason to charge me Interest because I have not paid off my new charges...
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX Address : XXXX XXXX XXXX. 
XXXX XXXXXXXX, Virginia XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Request for Assignment Contract Account Number : XXXX Dear Sir/Madam, I am writing to formally request, for the second time, a copy of the assignment contract related to the above-referenced account, which has been assigned to your agency for collection. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to verify the authenticity of the debt and the legitimacy of the assignment of this account. Specifically, under Section 809 ( a ) of the FDCPA, I am entitled to request and receive validation of the debt you are attempting to collect. This includes obtaining the original contract or assignment that proves your right to collect this debt.

Additionally, under Section 623 of the FCRA, I have the right to dispute any information reported by a debt collector if it is not accurate or if I have not received adequate proof of the debt. As such, receiving the assignment contract is crucial for me to ensure that the information reported is correct and that your agency is authorized to collect this debt. 

Here are the details for the account in question : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Current Status : {$430.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Please provide the requested assignment contract at your earliest convenience. If you fail to provide this documentation within 30 days from the date of this letter, I will consider the debt invalid and will take appropriate actions to protect my rights under the FDCPA and FCRA. 
Under 15 USC 1681a of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( d ), a consumer reporting agency may only furnish information about a consumer 's credit if it has a permissible purpose and, generally, if the consumer has given written consent. In this case, I did not provide written authorization for the inclusion of the referenced account on my credit report. Therefore, the reporting of this account is in violation of the FCRA, as it was furnished without my explicit consent. The failure to obtain proper consent undermines the statutory protections designed to ensure that consumer information is handled with the consumer 's knowledge and approval. 

Thank you for your prompt attention to this matter. Please respond to the address, or email listed above. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

I opened a checking account online on XX/XX/year> using promo code XXXX. The promotion required a deposit of {$1500.00} in 90 days. I fulfilled the terms of the promotion on XX/XX/year>. However, the bank sent me a letter saying I was not eligible for the promotion claiming I'm a XXXX XXXX I'm not sure from where the bank got that incorrect information. That question was not on the application form I submitted. I am a resident alien, living in the US for close to 2 decades. When I called the number on the letter, I was asked to go to a branch to resolve the issue. I went to the branch on XXXX XXXX XXXX and met with the branch manager XXXX and explained the issue. He called customer care from his office. He was instructed to submit a form. He did that and asked me to wait for a few days for the issue to be resolved. The issue wasn't resolved 2 weeks after and this time I went to the branch on XXXX XXXX and met with XXXX. This time also I presented my XXXX XXXX  and license. He tried uploading my XXXX XXXX and license, but the system wasn't accepting them, so he added notation with the ID numbers. He said he would call me back the following Monday and provide an update. I did not receive any call, nor any kind of communication from the bank. I again called customer service and they directed me to go to a branch again! Apparently, they are unable to see the actions takes by XXXX or XXXX and unable to do anything. I don't understand what kind of system the bank has for communication that customer care is not able to provide an update on an issue that should've been resolved very quickly given the documentation I provided. It has been almost 2 months since I opened my account and I'm very unhappy with the lack of correspondence and commitment from the banking personnel.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX  XXXX and have told this company and the XXXX credit bureaus as well as sent all my documentation and u am XXXX!! My XXXX  did this not me so take it off my credit report now! You are preventing my daughter and I getting to safety!!
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC (GA)

I am filing this complaint against Global Lending Services regarding serious issues that have arisen from the financing of my XXXX XXXXXXXX XXXX purchased in XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX. During the sales process, I was misled about the terms of the agreement, and critical details regarding my financial obligations were not disclosed. More distressingly, my signature was forged on the promissory note and possibly other documents related to the financing. 

Despite my efforts to resolve these discrepancies, Global Lending Services has not provided adequate responses or documentation. They failed to conduct a mandatory welcome call to verify the information used in the credit application, which is standard to confirm that all provided details are correct and understood by the customer. Additionally, they have not supplied the original promissory note upon request, which is crucial for verifying the legitimacy of my consent to the terms. 

The situation escalated when Global Lending Services wrongfully repossessed my vehicle in XX/XX/XXXX, despite ongoing communications regarding the dispute over the forged documents. This action forced me to file for bankruptcy to recover the vehicle, severely damaging my credit and impacting my ability to secure housing as a single mother.

I urge the CFPB to investigate these violations, including the forgery of my signature, the lack of proper verification processes, and the improper repossession of my vehicle. This complaint seeks to rectify the financial harm and emotional distress caused by Global Lending Services ' disregard for proper lending practices and consumer rights.
Consumer complaint received 2024-07-14
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. (TX)

My information was disclosed to a third party without my permissible purpose and my name is copyrighted ( XXXX number XXXX )! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, ( XXXX XXXX ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. 


***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft. My personal information has been used to obtain goods and services.I Contacted Equifax and told them that this inquirires are fradulent and provided proof, even though they told me that this inquiries were verifed. Please dispute and remove this fradulent information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting different information across all three bureaus, indicating an inaccuracy. I had this vehicle for over XXXX years, and it was considered totaled almost XXXX years ago, yet it was still drivable. The gap insurance covered it, but I never received proof of the sale. They continue to report this without providing documentation for the amount.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I disputed this item back in XX/XX/year> that i did not miss a payment. I recieved a response back. They changed the dates that they said i was late. I was never late on those dates. I disputed again. They changed the dates again. This is fraud and abuse to my credit report.
Consumer complaint received 2024-07-13
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)

In accordance with the Fair Credit Reporting act 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, has violate my rights 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.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

The reporting of a negative item as per 15 U.S.C. 1681s-2 ( 7 ) requires a notice be sent to the consumer. This Notice must be sent before prior to or not later than XXXX  days after furnishing the negative information to a consumer, as described in section 15 U.S.C. 1681 ( A ) p. Of this title, I am here by requesting under XXXX XXXX in good faith Proof that the Notice was sent, when the notice was sent and who the notice was addressed too regarding the furnishings this negative information. Resurgent Capital Services do not send me statements because statements are not sufficient evidence of a debt XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX. Also add a cease and desist and I want to it clear that a consumer report is also a form of communication so a cease and desist also means deletion from my consumer reports. Also show them ( CFPB ) how much it will cost in a itemized form if I choose to litigate for their harassment and abuse
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I opened a checking account with Citibank on XX/XX/year> and deposited {$75000.00} from my savings at XXXX XXXX because Citibank had a promotion of {$1000.00} new account bonus. When I called to inquire about the bonus, I was told that the bonus is only {$500.00} for a minimum balance of {$30000.00} for 60 days, not {$1000.00} for the {$75000.00} balance. Therefore, I went online on XX/XX/year> to transfer some funds back into my savings account where I can earn interest. Since the maximum online transfer limit is {$10000.00} daily, I submitted a transfer of {$10000.00} to my XXXX XXXX savings account. I then received an online message that there was error with my transaction and to call this toll-free number. When I did so, the customer service representative asked me some verification questions ( i.e., my phone number and mother 's maiden name ) which I provided the answers. She then proceeded to tell me that she was not able to verify my answers and the next thing I knew my account had been blocked. I asked to speak to a supervisor who told me that I have to wait for them to send me a letter with a reference number and once I give them that number, they can unblock my account. On XX/XX/year> I received this letter ( see attached ) with the reference code and when I called their Fraud Division on Monday, XX/XX/year>, to give them the code, thinking that this will be the end of it, I was told that they still need another 24 to 48 hours to review my account. At this time on XX/XX/year>, I can not even sign in to my account so I have no idea if my money is still there. Citibank has been holding my money for over a week without giving me any explanation as to why they keep having to " review '' my account. I believe that they are stalling so they can basically use my money for free and not paying me any interest for the use of my fund. I also have bills that I need to pay and I need some help to get my funds released by Citibank.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (OH)

I got behind on my mortgage payments while I was caring for my ill mother. I contacted the mortgage company, and they did some kind of trial payment plan, and I completed that, and I was under the impression that everything was fine. I continued to make my payments on time for several months until XXXX when my payment was returned. We contacted the mortgage company again and they said they didn't get a signed paper that I sent in. I was not notified that they did not receive that paper, and I would have resubmitted, but they said my house was going into foreclosure. so, they gave me the option to submit another application and that was denied. So now they are saying my only options are to pay the full amount past due ( which they won't tell me how much that is ) or I can short sale the house or let it go into foreclosure. I'm trying to keep my house because that is my home and don't have any place to go. 
My husband called the mortgage company again today and they said we had to submit another application ( # XXXX or XXXX ), I will do that, but I want to make sure I can get someone to help me keep my house. 
Why did they keep taking my payments if they were going to foreclose on my house?
Consumer complaint received 2024-08-06
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: Collection Bureau of the Hudson Valley, Inc. (MO)

I'm writing to discuss my nervousness regarding the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be completely analyzed. Notwithstanding my undertakings, I by and by really can't get any objective or medicinal movement. These inaccurate records are truly hurting my credit archive and disturbing my ability to continue with a standard life. The unfriendly outcomes of these mix-ups have caused huge challenges for me, and I'm left with no choice with the exception of to contend for your assistance with revising what's going on as fast as far as possible. I mercifully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is fundamental that the significant advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and reliability of my credit record so I could recover control over my money related thriving. I sincerely urge you to offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue rapidly would be very important. Thankful to you early on for your understanding and help.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I have a loan open with Chase auto and they are not reporting my account to the credit agencies after my XXXX XXXXXXXX XXXX. There was a reaffirmation with this company and I am still paying on time for this loan. As well for XXXX XXXX I paid the loan in full and that was not reported to the agencies. I have tried to reach out to XXXX with no luck. Chase auto has not helped me at all to report my on time payments.
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: Experian Information Solutions Inc. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00}.