davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent the letter to XXXX on the XXXX XXXX  XXXX, 2023 The reason I sent the letter was that XXXX verified my accounts and said everything was complete and accurate. So On XX/XX/2023, I sent a letter to XXXX. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX. I requested a full description of how they verified my accounts according to 15 USC 1681i ( 7 ) and they were suppose to provide this within 15 days. I havent received nothing from XXXX. I also noticed they didnt modify or update anything according to 15 USC 1681i ( 5 ). I compared reports and nothing everything is still inaccurate. This doesnt make any sense to me. I am very frustrated Why is XXXX lying?? How can I trust not them? They didnt reinvestigate my accounts. They said everything was modified and updated. I have proof they didnt
Consumer complaint received 2023-09-15
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. (NY)

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 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I received two phones calls this morning indicating a breach in my banking accounts and that security identification was necessary to unfreeze my accounts. I received three separate email with a long list of email attached as 'Cc 's. each email contains an attachment that was unopened. The email identifies itself as a notification from WellsFargo bank through XXXX XXXX. here is a list of Cc 's from the first email sent from XXXX XXXX/wellsfargo 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  date : XX/XX/year>, XXXX subject : Item shared with you : " We've Disabled Your Access ID - Please Review Bank Information '' mailed-by : XXXX signed-by : XXXX This is the SECOND list of emails also receiving this notification from XXXXWells Fargo  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 date : XX/XX/year>, XXXX subject : Item shared with you : " We Have Restricted Your Financial Account - Please Review Banking Information '' mailed-by : XXXX This is the THIRD list of infdividual emails added to this notification : from : 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 date : XX/XX/year>, XXXX subject : Item shared with you : " We have Restricted Yours Financial Account- Please Confirm Bank Information '' Each individual email has an attachment, and a phone call comes with this email placing the caller on hold until a representative comes to the phone to verify banking information.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

I recently checked my credit report and discovered that the credit bureaus are reporting inaccurate information.

The Collection Agency has not provided validation Information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ) This Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

This Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) LVNV Funding LLC
Consumer complaint received 2024-06-30
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: OneMain Finance Corporation (WA)

I requested from XXXX XXXX that they provide proof that they had the promissory note and the right to foreclose. I believe that the promissory note was sold to a mortgage backed security ( MBS ) or REMIC TRUST by American General finance or Springleaf finance before XXXX XXXX even obtained it. I need a forensic securitized audit to be performed so I can show that the deed of trust they hold was rebuilt after the original loan from evergreen mortgage was securitized into a stock. Because when that is done, the promissory note is paid, the loan is converted to a stock and registered on the SEC as a REMIC TRUST, and can never go back to being a loan per Federal Accounting Standards ( XXXX ).
Consumer complaint received 2024-07-03
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. (NJ)

Yhe company LVNV has been committing fraud they have not provided me with a report summary which is not proof of ownership and the right to collect on the debt. They did not supply any sign documentation from myself stating that I had any form of corresponding with said company. They communicated with me after a cease and desist letter was supplied they failed to supply me with a purchase letter which let me know who has had ownership of the debt how they can collect on a debt how can they sue on a debt. No information was provided from this particular company
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC (TX)

( 1 ) Approval of loan from Goodleap on XX/XX/XXXX in the amount of {$11000.00} with no payment and no interest, if paid in full during 18 month period -- Refer to attachment XXXX XXXX XXXX XXXX Loan was paid in full on XX/XX/XXXX -- Refer to attachment 2 with XXXX XXXX XXXX  check ( 3 ) I received Email from Goodleap indicating that payment will be taken from Bank account on the XXXX of XXXX. 
( 4 ) I contacted the Bank and notified it to stop any attempt by Goodleap to receive payment from my account ( 5 ) I received numerous telephone calls demanding payment between XXXX and XXXX ( 6 ) On XX/XX/XXXX I received a telephone call from Goodleap demanding payment.

( 7 ) All individuals on the call agreed that it was unfair treatment from their company and they wanted to help me by settling a last payment of the loan as it was shorted by XXXX cents. 
( 8 ) I gave authorization for issuance of payment by my bank in the amount of {$27.00} and was promised that I would receive a refund within 10 day -- Refer to attachment XXXX ( 9 ) No refund was received. See threatening letter from Goodleap. Refer to attachment XXXX
Consumer complaint received 2023-09-15
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. (CA)

My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To Whom This May Concern, LVNV Funding LLC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( LVNV Funding LLC ) communicating with me through email/text/calls. I would also like to request the purchase agreement between LVNV Funding LLC and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-09-15
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. (CA)

Equifax needs to remove these identity theft inquires. I provided proof from company I have business with reporting a data breach where my information was stolen. Equifax has done an investigation and AGREED with me that these accounts should be removed. To this date they still have not been removed. These inquiries are : 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
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NC)

Hello, I want to report a predatory loan that I got from XXXX XXXX XXXX and their finance company, XXXX XXXX XXXX. 
I recently purchased an XXXX XXXX, XXXX from this company, and was lied to throughout the whole process. Salesperson XXXX XXXX told me originally that my loan, at a predatory 26 % interest, would originally be around {$220.00} a month, then left for a moment to speak to the manager, and came back, erased that number, and told me per the policy at the store they would ONLY finance me if I also got their equally predatory warranty, taking the monthly payment up to {$410.00} a month! When I asked him point blank if I absolutely had to get the warranty, he looked me in the eyes and told me yes. Because my credit is less than stellar, I felt I had no option than to say yes. 
I found out later that warranty is always optional, and their finance company blamed me for not looking at the fine print hard enough. I record my phone calls, and have proof of all of these claims from them directly. 
I recently lost my job and have been in very hard times for the last month, and when I called to try and get an extension they told me extensions are not contracted and I was out of luck. 
There was also an incident where they violated an interlock device I'm required to have in my car, due to an old DUI from XXXX that the sentence has not been finished out. They sold me this car with an oil leak, that I did not know about until I took it to XXXX, and when I took it back to them to fix, the service manager violated the device by not disabling it before service, knowing that he had to because he had worked on it before and disabled it before. Because of this I was locked out of my car and unable to pay the XXXX XXXX fee balance on my account, so the car sits in my driveway on used, while I look for another job. They have taken no accountability for this and no actions. 
I feel lied to, I feel taken advantage of, and my parents had to cosign with me on this loan, so the burden has fallen onto them. 
Please tell me what I can do in regards to this loan and how to fix my payments to make my life and my parents ' life easier while I get my life together. 
Thank you very very much for your time, and please let me know if there's any more information you require, or any of the phone calls that were recorded, any paperwork etc. 
XXXX XXXX
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 


Account Name : XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation (FL)

This vehicle is not in my possession and I don't know where it is. The company was not understanding, and very addiment that they were not going to resolve the issue for me at all. I am looking for this to be removed and to not affect my credit report, or score.
Consumer complaint received 2023-09-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

Credit Management LP claims that I owe a debt to XXXX XXXX, which has already been paid, to the account. 

The account has been closed, and the debt has been settled with the original debtor. I kindly request that they cease sending me mail regarding a debt that has been fully satisfied. Additionally, I would like to receive proof of their status as the original debtor and request that my personal information no longer be sold to other companies for the purpose of pursuing a debt that does not belong to them.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (MD)

I opened an M & T Bank XXXX XXXX Checking account ( ending XXXX ) on XX/XX/year>, with a promotion of {$400.00} new account bonus if i finish a direct deposit of {$1000.00} within 90 days of account opening. I did the direct deposit of {$1000.00} on XX/XX/year>, but i never received the new account bonus {$400.00} even after 90 days. 

Their offer term says " Your cash bonus will be credited with 90 days of qualifying requirements being met. ", which is not the case.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (KS)

XX/XX/24 XXXX {$60.00} XXXX {$55.00} XX/XX/24 XXXX XXXX {$65.00} XXXX {$65.00}, {$57.00}, {$53.00} XX/XX/24 XXXX  {$80.00} XXXX XXXX XXXX {$71.00} XXXX {$73.00} XXXX {$72.00}, {$38.00} I've emailed them according to their rules, they took a short time to " do an investigation " and there was no way to get back ahold of them. The email address would not take my emails and I could not get ahold of them any other way. They ignored my requests. This has happened XXXX or 4 times now that there is fraudulent charges and they text me and ask but they let the transaction go through anyway. Sofi has completely ignored my request for more information.
Consumer complaint received 2023-09-15
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. (FL)

It all started with a change in my credit report about a charge on a XXXX Bank credit card associated with an address that is not mine, after that we contacted Experian and began the procedures with the fraud report, we also contacted XXXX Bank and they removed that account from my history to protect my identity and sent me a letter with all the information. XXXX informed me that I should file a police report at : XXXX, and that is what I am doing.
Consumer complaint received 2023-09-16
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. (SC)

THIS IS FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. TRANS UNION YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU TRANSUNION IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN TRANSUNION OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT TRANS UNION HAS COMMITTED AND CONTINUOUSLY COMMIT : 1. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Hi National Recovery Agency ; NRA ; XXXX XXXX ; You are reporting an illegal, fraudulent, inaccurate account under my personal information for alleged balance of {$1800.00}???!!! Again, I am writing to address this matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.