davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation (HI)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I would like to file an Official Complaint against OneMain Financial, for not allowing me to close an OneMain Brightway+ Credit Card Account which is open under my Name. 

As of XXXX XXXX I logged into my XXXX Account in order to view my Credit Score and be up to date with my Current Accounts. 

I noticed a OneMain Brightway+ Card which was open under " Active Accounts '', with my name that I am not aware of ever having opened. 

I believe this Card was opened without my consent/knowledge because I never applied for an OneMain Financial Brightway+ Credit Card, so it is indeed fraudulent/unacceptable they would do this. 

I called their Customer Service Line 2x, and got connected to a Representative and explained the whole situation, requesting them to close my account after verifying all of my Personal details they were asking me for. 

Upon verifying my information, they stated they can only " temporarily close my account '' but not permanently, plus said they would send me an E-mail for Further Instructions on what to do next but I've never received an E-mail from them. 

I followed up with them once more, to see why they simply can't close this Credit Card Account when I verified all of my Personal Information, but they wouldn't give me a specific answer and said to continue waiting for an E-mail that never arrived. 

Can you please contact OneMain Financial and have them close this Brightway+ Credit Card Account for me please? 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-14
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. (IL)

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report.15 U.S.C . Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. 

In addition, in accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights. 

1.15 U.S.C 1681 section 602 A, states I have the right to privacy:15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2.15 U.S. Code 1692b - Acquisition of location information : Anydebtcollector communicating with any person other than theconsumerfor the purpose of acquiringlocation informationabout theconsumershall ( 2 ) notstatethat suchconsumerowes anydebt ; ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; and15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with aconsumerin connection with the collection of anydebt 3.15 U.S. Code 1692d - Harassment or abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Once again, I demanding this account be deleted.
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (IN)

When I bought my used vehicle. The loan went through Flagship Credit Acceptance. I have made monthly payments. But I have tried on many occasions to make biweekly payments. They told me for months they didn't understand. But in XX/XX/year> I got ahold of XXXX who knew what I was asking for. They sent me the documents through XXXX. However, it needed a password. I couldn't obtain a pass word and the docs expired. Then a month went by I paid the regular payment. An requested the document once again. They didn't arrive in XXXX. When I called at the first of the month. A manager for the company on his own permission deferred two payments and. Because he wants to ensure that I got the paperwork. But the problem he created was significant from daily interest and payoff being extended by two months. Plus I have gap insurance which is effected by this business practices. I never got the paperwork until sometime in XXXX and I had to call and get the password. The lady me it's my SSN. When I file the paperwork it was received and few weeks passed on the day the payment was due. I received a second request. I filled it out again. Now they are saying they can't understand why they can't process it. I believe it is because they lost the paperwork and they don't want the vehicle paid off until terms close at the end of the loan. Or they want to repossessed. They are not serving the loan as well enough and making sure Im behind on payments. So they can repossess the vehicle and sue me.
Consumer complaint received 2024-08-05
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

There was 15 charges to the card on XXXX for XXXX each from some place in XXXX that I am sure I did not do. I call the bank like I had done in the past for other disputes to let them know and they issue a new card and said that they will take care of it. 
I waited a couple months and nothing happened. I call again but every time they ( the card company fraud line ) put me on hold. ( see attached jpeg, the time of call shows more than 2 hours holding ) I called every month. 
I call the bank, ask to talk to a supervisor, every time they told me all they could do was to transfer me to the fraud line. where again I would wait for a long time and they never answered. 
Finally in XX/XX/year>, a lady by the name of XXXX answered and after waiting about an hour she said that she was going o take care of it. She told me the case number was XXXX, but we are here in XXXX and they have not adjusted the balance. 
Because of this my credit score has gone very low, and in that time I was trying to buy a company, but need it to get some equity money from my house, but did not qualified because my credit score. This month the bank ( RBFCU ) took XXXX from my checking account was was there to pay my mortgage, I did not authorized this payment. I need help.
Consumer complaint received 2024-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

The company, PRMI, sent me their annual XXXX insurance update at the end of XXXX. I immediately asked our XXXX to fax the information to the number on the letter making sure the loan number was included and she did it on XX/XX/2024. At the end of XXXX, I received another from the company saying that I had to pay for XXXX XXXXnsurance since proof of such had not been faxed. I checked with our XXXX who confirmed the fax had been sent ( see attached ). 

Just to be sure, I immediately uploaded the same information to the website on the second letter on XX/XX/2024 and called PRMI XXXX on XX/XX/2024 and spoke with XXXX who confirmed proof of XXXX  insurance was received. I then asked XXXX if they had received this document at an earlier date and she confirmed they had received it on XX/XX/2024 as the XXXX said/did! 

So why was PRMI sending me a letter, nearly a month after receiving the proof of flood insurance saying I would need to pay insurance since they had not yet received proof of insurance when they actually had! XXXX said they were " slow '' in processing the information. Well, if that is the case, then they should wait before they send threatening letters out, shouldn't they? 

This is a type of of harassment, frankly. And it happened last year and the year before. When are they going to fix their processes : either be faster in information processing or do not harass individuals until they process what was received. Simple. 

PRMI does not care that I, as a XXXX XXXX, only have XXXX minutes of lunch, and have, year after year, to stop everything, call and check with the XXXX and verify things, send it myself, when they already had the information! This is unreal!! 

I hope CFPB will fine this company, PRMI, for undue, repeated, harassment.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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 ) you are required to remove these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XX/XX/XXXX XXXX  XXXX Balance : {$23000.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-15
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)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of identity theft, and this is another request to remove the information from my credit file resulting from this incident. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items no later than XXXX  business days after receipt of this request. Additionally, the information on some items is unknown to me and has already been removed from other bureaus, raising doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021, We had a house fire in our primary residence. Money has been released from the Insurance company and we were forced to send the entire balance to Chase Mortgage. The money is not actually their money as the insurance company provided it to us to re build the house. We are are in process but Chase keeps withholding funds. We have provided bills for completed projects, contractors have called for payment of completed projects but Chase continues to hold and not release money. The insurance company is still holding {$80000.00} in reserve. Chase has {$100000.00} Held but will only release when they say we have completed the project of rebuilding. I can not rebuild the house if I do not have money to pay for the reconstruction so when they give us some planned inspection which they send some kid out to take photos and estimate completion percentage and then deny us money so I can not pay contractors I can not get any work done. So we end up in a never ending cycle of a hold pattern. I have not missed a single payment on the house, Construction is in process and Chase continues to withhold money. I need the money released.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (IL)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

In addition, I have made several previous attempts to fix these issues directly with them and. As a result, they are violating my rights and therefore, I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/year> LVNV Funding LLC Dear Sir/Madam, I am writing in response to your recent attempts to collect on an alleged debt. A judgment was filed against me in Virginia before the statute of limitations expired. However, I have since relocated to New Jersey. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I understand that for your collection agency to legally pursue this debt, the judgment must be transferred to the state where I currently reside. 15 U.S. Code 1692i of the FDCPA states that a debt collector can not attempt to collect any amount unless it is expressly authorized by the agreement creating the debt or permitted by law. 

Therefore, I kindly request that you provide documentation showing that the judgment has been legally transferred to New Jersey. Until such documentation is provided, I must ask that you cease all collection activities related to this debt. 

Please be advised that I am aware of my rights under the FDCPA, and any violations will be reported to the appropriate authorities. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (AL)

I have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The following should be removed from my credit report please. 

XXXX XXXX- do not recognize at all. I want Repositories to remove this and the so-called 'inquires ' are inaccurate.XXXX & XXXX. 
XXXXXXXX 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 FL XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have inaccuracies regarding the reporting, including incorrect amounts and dates.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-07-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Asset Services LLC (FL)

Contacted XX/XX/XXXX by automated system, and call was returned. Spoke with gentleman, and I advised him that I would contact the lender regarding this claim they have stated they have given I have arrangements with the company. I advised him I would contact the lender, and he stated " We are done here '' then disconnected the call. After this event, I returned the call to the company Eastern Asset Services contracted by XXXX XXXX His first response was either what do you want you little XXXX, or what the XXXX do you want. I advised him that I will not be talked to in a abusive manner and do not contact me as I will contact his compliance department. 
XX/XX/XXXX at XXXX XXXX  I received a call from the same number after requesting Do Not Contact. 
Returned the call and spoke with what seemed like the same gentleman XXXX XXXX who is the office manager of the facility. 
He stated that my account had been closed as of XX/XX/XXXX, and also stated that no contact had been made. This is clear misrepresentation of the facts surrounding the initial attempt to collect, and evasive methods attempting to conceal their inability to follow proper state and federal regulations stated in 15 US 1692f.

In addition, I spoken with compliance regarding this matter, and they are currently investigation the incident that occurred, but this will be pursued in a legal capacity as no individual should be subject to such demeaning attempts to collect any debt.