davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (PA)

Requested a personal loan through them. They asked for my banking login to make deposits and i was told to send the money back to them. My bank placed a 6 day hold on the deposits and when i called and told them that, they said they would handle it. Today, i was unable to log into my XXXX account and i called them and they said my account was closed due to fraud. I tried calling the number back and lending point asked for my name. I told them you got my account closed due to fraud and they hung up on me and then proceeded to block my number. I called from a private line and it keeps ringing and no one will answer. This was a scam all along and they need not to do business with anyone
Consumer complaint received 2024-05-03
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. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XX/XX/year> 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I had a recebt complaint with CRB concerning my car payment to XXXX XXXX. I spoke XXXX XXXX XX/XX/XXXX about this mishap. Its showing i owe money towards my XXXX bill. which should not be there.It shows im XXXX past due. IM NOT OVERDUE. As you can see it says next payment is due XX/XX/XXXX. It should show my payment that's due for this month.When i ask sup XXXX XXXX on a recorded call why is it.showing a payment due for XXXX he said " He doesn't know and he will get back '' THIS NEEDS TO BE FIXED IMMEDIATELY!! INCORRECT INFO IS BEING REPORTED TOTHE BEAURUS
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

It appears that Bank of America fraudulently opened a checking account in my father 's name. They began charging minimum account fees against the account in the amount of {$12.00} per month. The account appears to have been opened on or about XXXX XXXX. Fees began to be charged against the account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total negative balance of - {$36.00}. 

My father passed away on XXXX. We only discovered the fraudulent account when going through probate procedures. Additionally, we can confirm this was fraudulent because all other accounts unrelated to this account were joint with my mother, this account was created as an independent individual account ; no funds were contributed to the account to prevent the collection of fees ; and my father suffered a XXXX XXXX in XXXX that rendered him XXXX  and XXXX  XXXX  of opening such an account without the assistance of my mother. 

On XXXX we contacted Bank of America regarding this matter and filed a fraud claim at XXXX MST via their fraud line at XXXX. They transferred me to their check fraud department, they then forwarded me back to the fraud department, and then I repeated this process in a loop. We are pending verification to close accounts within 10 business days according to the final associate I spoke with. However, they did place a Hold on the account after being notified of my father 's passing. 

This is in reference to the CFPB 's recent announcement/article on XX/XX/XXXX, " CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts ''. 

-https : //www.consumerfinance.govXXXX
Consumer complaint received 2023-09-01
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)

I was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

Hello my name is XXXX XXXX again we need the online banking access to be unlocked or undisable and and XXXX access to be restored My username is XXXX and I also need you to see if you can get the verify in branch in person restrictions or any blocks or restrictions and statements removed off my account for me so I don't have to keep going to banks for help and with id and also get the security verification removed off my account or disable it so when I call in or when they transfer me to any Wells Fargo department they won't sometime ask for my phone number to send me a text code to fully pull my account up by debit card number or my account number sometime they do ask for a security code by text message and sometimes they don't or fix it so they don't ask when I call in a lot or sometimes when I call in they don't ask for it and sometime they do etc please and please also remove any past flags or new flags or current flags on the account or any statement or what is keeping giving me verified in branch on my account please so when I call in or get transferred they dont verify me in the branch or ask me for a code by text or ask me for my phone number when I give out my account number or debit card number they straight instantly help me when I already verify my self over the the automatic phone system before agent or call in and talk to the agent and give them my account number or debit card number they dont ask for my birthday or phone number or last XXXX of my ssn they just straight help me and remove the fraudulent alert on my account and remove anything other thing that keeping getting me verified in branch before help or verification by text code and keep getting my online bank access locked out or disable etc you have to call this number for the online banking lock out at XXXX and call this number for the XXXX to get my access unrestricted or restored at XXXX etc. XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB
Consumer complaint received 2024-01-18
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. (MD)

I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XX/XX/2023. I appreciate the services provided by XXXX XXXX and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XX/XX/2023 and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX payment will be delivered by paper check on Wednesday, XX/XX/2023 SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK NUMBER XXXX XXXX  XXXX  sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXX XXXX  in XXXX, Tx it was delivered on XX/XX/XXXX. That's not 30 days late. XXXX XXXX  said they received it XX/XX/XXXX but can't verify that.
Consumer complaint received 2023-05-18
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. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}. 

This complaint is my follow-up to give you an ultimatum to fix the listed accounts in my file
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NRA Group, LLC (NY)

According to XXXX XXXX XXXX, National Recovery Agency is not licensed to collect debt in the state of XXXX XXXX where I reside. I am not liable for this debt of {$2700.00} with National Recovery Agency Account number XXXX. I do not have a contract with National Recovery Agency, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (CA)

On XX/XX/XXXX, National Enterprise Systems ( NES ) sent a settlement letter regarding an alleged debt to XXXX XXXX NES failed to validate the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. NES has not provided evidence of the debt 's validity nor their authority to collect it. ( These seem late for XXXX, but I only learned about these occurrences in the recent transmittal to me, on XX/XX/XXXX, of the files pertaining to settlements from my escrow account with XXXX XXXX. NES has entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX ( XXXX ), acting purportedly as my representative on XX/XX/XXXX. This agreement was made without my knowledge or consent, violating 15 U.S.C. 1692e ( 10 ) for false representation and 1692f for unfair practices. I retained XXXX to negotiate my validated debts ; however, XXXX paid settlements and took fees without validating debts and without disclosing the details of the parties to me, constituting a breach of fiduciary duty. In this case, the settlement agreement is with NES, a nationally known entity, yet lacks reasonable information, including any designation of who the parties are, a lack of a formal signature, and missing significant legal character. According to 15 U.S.C. 1692g ( a ), Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing... the amount of the debt. Given these violations, I believe the settlement pertains to an unvalidated debt. Any funds collected must be returned to me per 15 U.S.C. 1692g ( c ). I have terminated my agreement with XXXX and request that all further communications be conducted in writing to XXXX.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Complaint Summary : - The amount of money dispute : XXXX dollars. 
: I bought a car from an official Mazda dealer ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX ) a few days ago. When I consulted with the sales manager ( XXXX ), he suggested several options, but I declined because I thought they were not really necessary. However, the manager said that the XXXX XXXX XXXX ( {$1500.00} ) and XXXX XXXX XXXX XXXX ( {$990.00} ) were already installed in the car, so I had to get them. I thought that they seemed expensive and I even didnt know what they were, and he made me to get them, so I signed the contract. When I brought the car home, I felt uneasy and like I had been cheated, so I called the next day and asked again if they are really installed in the car, and the sales manager admitted that they are not installed in the car. I was so dumbfounded that I looked it up online, and it seems that there are consumers who have been scammed in similar cases. I have talked with my lawyer and she told me that I can cancel that and can get a refund and also I have talked with Mazda financial team and they told me that they can take off the items cost when the dealer where I bought a car makes revised contract. They told me to tell them to cancel the items that I don't want to install and then send the revised contract to the mazda finacial office But the dealer ( XXXX XXXX ) won't do it. The manager ( XXXX ) is a scammer. He does not want to do the job right. The sales manager lied at the first place, and now that their lies have been revealed, I was tricked and fooled, therefore I want to cancel and get a refund for those options. They are so bad people. I have been cheated. I want to take off {$2500.00} from contract and send it to Mazda Financial Office. If I hadn't checked carefully, I could have been fooled, and I hope you take action against them so that no one else like me becomes a victim. 

2XXXX MAZDA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

XX/XX/XXXX I sent a letter out Penn Credit Corporation asking them to please remove this debt that I do not owe off my credit, I refuse to pay a debt I dont owe. According to 15 USC 1692c ( c ) if I reach out to the debt collector letting them know I refuse to pay, they have to removed and report the dispute right away. Also according to Fair Credit Reporting Act, they have to respect my request.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Webster Bank purchased my mortgage from my mortgage broker. Subsequently, they pressured both me and my fiancee to open checking accounts with them, claiming it was not possible to pay the mortgage online without having a checking account with them. They assured us these accounts would not charge any fees. However, they have charged us fees on several occasions. Further, it has come to my attention that it is entirely possible to pay our mortgage online without having a checking account with Webster.

The net result of this is that the bank has lied to us about the need for, and nature of, these checking accounts in at least two ways.

Now, I am asking them to close the account, and they are refusing to do so. 

Specifically, XXXX XXXX, XXXXXXXX XXXX XXXX Manager, at the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, is refusing to close the account and telling me that I need to visit a branch in person. I know this is untrue, it is simply a tactic to try to force me to keep an account I don't need, that they lied to me to compel me to create, and on which they are charging me fees that they also lied to me about.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

I made a purchase on PayPal Credit with 24 month no interest payment terms. The payments I made were applied to pay down the 24 month purchase instead of purchases that had lesser terms. This seems extremely deceptive, I was planning on paying off that balace ove 24 months and now it has been paid off 12 months earlier and I am left owing other balances immediately
Consumer complaint received 2024-08-02
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. (IL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-01-18
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. (PA)

I don't want this in my report, they are accounts with negative information that I don't remember having. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collins Asset Group, LLC (SC)

A sheriff 's deputy came by my house to serve a summons for XXXX XXXX XXXX. A debt has been sold to this company on an old debt. I was never notified by XXXX XXXX XXXX. A Summons was attempted to be served at my home
Consumer complaint received 2024-08-02
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: Regional Management Corporation (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My mother XXXX XXXX XXXX, DOB XXXX and last four digits of SSN } XXXX. To whom had an account with Capital One had unfortunately passed away. And they stated that when I becomes the Executor of her Estate they will distribute the funds in the account to yours truly. However they havent kept their word and despite being presented with the document that I am the Executor of her Estate they have ignored the request.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MD)

I received a letter from CITI Bank, dated XXXX XXXX, 2024, requesting additional information for an application that I did not make. A fraudulent application has been made in my name. The letter includes an Application ID and Reference Number. I called numerous phone numbers trying to speak with an agent at CITI to report this fraudulent activity. I was connected with XXXX person, who I could barely hear or understand, and when I refused to provide my social security number ( because this is a fraudulent matter ) the call was disconnected.
Consumer complaint received 2024-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

Just want to document with you, bring to your awareness... frequency of PROBLEMS associated with Nation Star Mortgage dba MR Cooper 's online difficulties, since their security breach of 2023. 

This morning, XXXX, I went through all the normal steps to enter my payment info -- only to be met with a 'problem ' AFTER submitting the payment info. AND after initiating this complaint, I received an email, with a confirmation number, that my payment was processed and scheduled for payment with my bank. 

This firm has a history of complaints, and I have refrained from adding to it, until now! They post too many crooked schemes, and UNWANTED 'offers ' all over their website -- MORE THAN NECESSARY to conduct fair practice business, ( in my humble opinion ). 

Frankly, I don't require a mortgage servicer, and would love the option to 'opt-out ', and conduct my own affairs!
Consumer complaint received 2024-05-03
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. (NV)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.