davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (CO)

I am not liable for this debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2023-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

Dear Consumer Financial Protection Bureau, I am reaching out to bring to your attention concerns regarding the handling of my credit information by Lexis Nexis. I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX XXXX XXXX XXXX XXXX ( XX/XX/2023 ) XXXX ( XX/XX/2023 ) XXXXXXXX XXXX XXXX I am disputing XXXX XXXX XXXX information listed on my credit report, as reported by Lexis Nexis to XXXX. 
Despite multiple requests, I have not received proof of the verification process for the updated information, particularly regarding its accuracy. Regrettably, Lexis Nexis has failed to provide any documentation, raising concerns about their compliance with the FCRA and their responsibility to furnish accurate information. According to Pacer and the US Bankruptcy Court, they do not provide this information to third parties.

In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Lexis Nexis ' practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate removal of the unverified and inaccurate information from my credit report. 
Your attention to this matter is essential for ensuring fair and accurate credit reporting, and I appreciate your assistance in promptly resolving this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have had a Bank of America Card since XX/XX/XXXX. After have excessive fees on my banking account, I decided to also close my credit card with a {$500.00} limit. At the time, the card was paid in full and had a XXXX balance. I assumed everything was fine and had no further communication from BofA ; no statements or notices. 
I recently applied for a car loan and found that my credit score dropped XXXX points because BofA has been reporting a {$12.00} balance past due. If I knew there was money owed- I would have paid it, but would have no reason to believe money was owed since the card was closed. The bank is now reporting the {$12.00} XXXX past due on my credit report. 
I would like them to correct their credit reporting as I did not owe any amounts and I would like the trade line updated correctly to the credit reporting agencies. I have filed disputes with the agencies in the interim. If Bank of America will not remove the incorrect information from their credit reporting, I would like copies of all statements since XX/XX/XXXX so I can see where this charge came from. I would also like to know how it was applied to my closed card. Lastly, I am also requesting copies of all late notices and collection efforts including their attempts to contact me regarding the past due amount. 
This has resulted in a drop of my score which is impacting my cost of credit and resulting undue harm. It appears their collections practices are unfair and cause undue harm.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

My venmo account was frozen, I've had venmo for years, I've already been verified, and for no explanation my account has been frozen. I've sent in my driver 's license as they asked for and I even sent in my social security number ( copy of my card ) just in case. Sat on hold with a supervisor over an hour was told the department that handles frozen accounts can only be reached by email. After one hour in hold the " supervisor " returns to they have got your requested identification, and are working on it and you should get an email when is taken care of, tonight. Yet I get nothing. My accounts frozen they will not transfer my money to my bank, just froze my funds? They are not the federal government! How can they do this and just keep my money? I've did some research and found I'm not the only person they are or have done this to. Please help. They are getting away with other people 's money who need it. Or just holding on to others money for awhile to earn interest on it and calling the money frozen in the rightful owners accounts?! Please investigate this.
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (TX)

Tower Loan Of XXXX sent me information stating I owe {$3200.00}, then another letter {$2800.00} and another letter {$2900.00} How much do I really owe them?. When I tried to make payment arrangements, they wanted me to pay a ridiculous amount when I no longer had a job, plus I was recovering from both my knees being replaced. Tower Loan violated my rights by coming to my apartment and speaking to my property manager to gain my apartment number and left a note on my door which could have cost me to lose my apartment. I live in a senior community, coming to my home is not in the contract. They would call me several times a day leaving messages every day all day which is a violation Fair Debt Collection Practice Act. The law restricts the ways that a collector can contact you and how many times they can call leaving messages after message daily. They also would call from different numbers. Who does that? I even ask Tower Loan and sent a letter to Cease and Desist and only send me information by mail. They ignored that and violated my request and still continue to call me and leave messages every day. I would have tried to pay them once I started working but they violated me and the FDCPA law.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC ()

Through my escrow accounts, Mr Cooper has taken very high sums ( XXXX USD per year ) for an insurance policy, that was totally overpriced and that I did n't need. In addition, they have ignored my numerous asks to create some transparency on this account and their logic for charging me. 

- they have taken about XXXX USD per year on my escrow for about XXXX year, and there is nothing I can do - they have ignored the fact that I had coverage independently. I sent them the policy number and submit it on their website, but they never answered to those emails, just send me generic service emails and continue stealing my money - separately, I asked them more than XXXX weeks ago for a reconciliation of my escrow account since inception, and they said they would send it but never did. They are ignoring my asks to have visibility on what happened They are basically crooks. And because I do not want to damage my credit score, there is nothing I can do. I need your help.
Consumer complaint received 2024-05-07
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)

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 informationisinaccurate.
Consumer complaint received 2024-05-07
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)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (WI)

I filed a complaint with you all and it was sent to Experian and instead of responding back the same way I sent in the complaint they sent me a letter stated what they can not do and what I need to do in order for them to investigate which it is clear evidence right in my report which states everything I am requesting them to do. Which they are in noncompliance of the law.
Consumer complaint received 2024-03-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY (NY)

XXXX and XXXX XXXX ( TD Bank ) are different companies that do not talk to each other. XXXX has agreed that my order was only to be treated as ONE ORDER. They have case # XXXX confirming this as it was clearly to be an exchange and needs to be fixed. One broken part was sent back and another was send to replace it. This shouldn't have been treated as two orders with separate plan terms. TD Bank refuses to contact XXXX or make the corrections. 

They have begun sending damaging credit actions over even though I have contacted them many times about this. See call log for details of all the activities, I have kept careful notes after starting to encounter TD 's poor practices towards consumers. 

TD Bank also started charging me a late fee even though they said they completed a payment ( Inquiry # XXXX ) for way over the minimum balance using their online system.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

Hello, My name is XXXX XXXX. I just received an updated copy of my Early Warning report removing an inquiry from XXXXXXXX XXXX I didnt authorize. Upon reviewing this updated report. I found another issue. I just recently opened a checking account with XXXX in XX/XX/year>. Why is Early Warning allowed to post my daily balances? Please see the attached report .Early Warning is only used to report an account opened or closed along if the account is in good or bad standing. They are violating my privacy by printing my balances. My other banking accounts arent reporting my daily balances to Early Warning. Please send me documentation that allows Early Warning to go into my bank accounts to look at my balances and report them. Please delete the balances of my account with XXXX. This is a violation of my privacy and my civil rights Best Regards, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

i am writing to dispute the above referenced alleged account. According to the Fair Debt Collection Practice Act I have 30 days to receive validation of the debt you say I owe before the collection process can continue. According to the Fair Debt Collection Practice Act I have 30 days to receive validation of the debt you say I owe before the collection process can continue..

Also according to 15 USC 1692, whoever the original creditor was sold this alleged debt to you without my knowledge and I don't know you from a can of worms and i never agreed anything with your company. 

I have reached out to over the span of two years for you to delete this inaccuracy. It is your responsibility to give me what I ask for which is an original contract and purchase agreement with my signature. That lets me know that this is my account.

Youre also reporting this account as open. A collection can not be open under FCRA compliance. This is clearly a FTC violation 15 USC Code 1681S-2.

What is your method of verifying this account and send me what I asked for. Please send me proof and associated validation to prove this debt is mine cause it is NOT!

Send me the PURCHASE AGREEMENT with signature or DELETE THIS IMMEDIATELY!
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/XXXX I attempted online to book a flight with XXXX XXXX around trip from XXXX to XXXX XXXX and back. The first trip was priced at {$390.00}. That would include my seats and a round-trip when the confirmation printed out it did not bring me back to XXXX. It only took me to Florida or XXXX XXXX, Florida, I have tried again to book that same flight this time the charge was XXXX when the confirmation printed out is still left me in XXXX Florida it did not bring me back to XXXX. I called XXXX XXXX the next day on the XXXX the agent said no worries he will take care of it he and he booked my flight. It was correct this time, the flight brought me back to XXXX and I also had seats that I chose with the seats and the return flight it was {$430.00} to guaranteed the price. The agent sent me to my phone while he was online a payment portal for me to agree to the {$430.00}. He waited online, I went to the portal with my XXXX XXXX card and I paid the {$430.00} and then twice. I reminded the agent that I needed to be reimbursed for the flights that did not bring me home because somewhere in the process before printing my confirmation, the airline made a mistake, the agent replied, no worries I will take care of it. Several days later I checked and the agent did not take care of it. Ive tried disputing it XXXX XXXX gave me credit and when XXXX XXXX wrote in or challenge my dispute. The {$840.00} was applied back to my card. XXXX XXXX is taking XXXX XXXX word over mine, I have been a faithful card holder since XXXX. Ive never missed a payment and Ive never been late. I am not willing to allow XXXX XXXX  who is presently under federal investigation for overcharging and racketeering to get away with doing me the same way, I cant afford to give XXXX XXXX an additional {$840.00} XXXX XXXX dispute department is clearly not looking at the full evidence. They are not reading the evidence because its clear that I was overcharged. Three transactions in the last transaction is the only one thats valid. I need my money back and I need XXXX XXXX to act on my behalf instead of XXXX XXXX, who is presently under federal investigation for the same behavior.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX - XX/XX/2024
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Local Finance LLC (FL)

Local finance repossessed my 2017 vehicle when I was out of town I was never notified legally as required by law no phone call no text nor did they send me a letter all of which they had my phone number email address and mailing address. 
I paid a total of payments XXXX and balance owed was only XXXX. 
They claim that the vehicle has been sold for XXXX but never provided any proof and never reimbursed me the difference from the sale .But although they still claim that I owe them {$730.00} dollars, there crazy and I'm getting ready to start filling lawsuits for fraudulent accounting practices which is a felony theft by fraud.
Consumer complaint received 2024-05-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
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. (NV)

I am submitting to request your assistance in removing this charge off account from my credit file. This account has been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off account remains on my credit reports. I have attached a copy of my personal documents to this complaint for your reference. XXXX XXXX Date opened : XX/XX/2020 XXXX Balance : {$4500.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off account from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-07
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)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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