davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Newrez took out an amount of {$11000.00} from my escrow account. I called them and I was told that Newrez issued a refund check it will be mailed to me and I should receive it within XXXX days. Now I have been waiting for more than 10 days and I still don't have to refund check. 
No mails. No tracking number.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any items featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (CA)

On or about XX/XX/2022, NCB Management Services reported acquiring a debt from XXXXXXXX XXXX XXXX On or about XX/XX/XXXX, NCB Management Services reported a tradeline XXXX and XXXX without allowing me the opportunity to Dispute the debt. NCB Management Services ' actions violate the Fair Credit Reporting Act in that 1. Account not mine, I had no knowledge of the account on or about XX/XX/2022. I do not have any contract with NCB Management Services wherein I promised or owe NCB Management for services Provided. They did not provide me with the original contract as requested. 
2. They did not notify me or give me time to dispute the account before reporting the credit bureaus.

3. I have not knowingly opened an account with XXXX XXXX XXXX therefore tradeline reported by NCB Management is Fraudulent. 
Per the Fair Credit Reporting Act, a person 's consumer report should contain ONLY, Accurate, Complete, and up-to-date information. The information reported by NCB is INACCURATE and a continuous inclusion on my consumer report is a violation of my rights.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-04
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: CORELOGIC INC (TX)

XX/XX/year> I mailed Credco a letter to remove information from my consumer report. XX/XX/year> Credco responded by saying there was not enough information submitted to dispute my consumer report. I mailed them 3 forms of identity to validate it was I who sent this letter. I believe they want to delay the process of removing inaccuracies from my report and waste my resources because the letter was very clear of its intent.
Consumer complaint received 2023-07-27
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (AL)

I am listed as the Guarantor on my daughters XXXX loan from Sallie Mae. My daughter is the Payor and when shes late on her payments it is wrongly reflected on my credit report. Ive guaranteed the loan and am not responsible for monthly payments. My daughter makes the monthly payments faithfully but sometimes late. To negatively report my performance on this account as delinquent is not true. Actually, the loan is being paid off ahead of schedule and better than most XXXX loans for many years. The only time Sallie Mae can accurately report my personal performance on this loan as delinquent is when or if I fail to guarantee repayment NOT for late payments. If Sallie Mae chooses to foreclose on this loan then I am responsible for full repayment. Sallie Maes derogatory report on my credit standing with regards prompt payments is erroneous and has most recently created issues for me with regards obtaining a desirable interest rate. Im doing my job by ensuring that my daughter will not default on this loan, but I am not responsible for making sure her payments to Sallie Mae are on time. Sallie Mae is hurting my reputation without any due process and unfairly representing the facts. They make more money when my daughters payment is late and they will be paid the full amount much sooner than demanded. When I reported this to XXXX they took numerous notes, but the answer that came back only restated that the information is correct. Thats not the point of the dispute. Only the Payor can be held accountable for timeliness of payments and not the Guarantor. The Guarantor guarantees that the loan will be paid and by definition only takes action as a final resort and only at the request of Sallie Mae.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (MI)

On my Credit Bureaus, American Express is reporting XXXX old accounts that should have fallen off of my credit reports. The following XXXX accounts were closed in XXXX : XXXX XXXX  ( {$95.00} ), XXXX XXXX  ( {$190.00} ), and the XXXX XXXX  ( {$450.00} ) .The Fair Credit Reporting Act ( FCRA ) protects me as a consumer to make certain my credit reports are accurate. This is XXXX and the current information that is reporting on my credit reports from American Express are beyond XXXX years old!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (TX)

I am consumer of Discover credit card since XX/XX/XXXX and since XX/XX/XXXX I am chasing the company to report my credit and work with credit firms but they are keep rolling me. 
On XX/XX/XXXX they sent back the details to XXXX XXXX and still I can see no open account there and no score generated They are saying it should be reflect in 60 days but they are not sure on this. 
Same process they followed in XXXX or XXXX and it did nothing It is causing a lot rejection on my apartment application and other things. I am single earning person in my house with XXXX dependent and I am not getting apartment for rent due to no credit history. 
It is affecting my financial and mental health.
Consumer complaint received 2024-01-03
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 (FL)

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from Capital one, XXXX, XXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all XXXX credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NJ)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with LVNV FUNDING LLC they did not provide me with the original contract as i requested.
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ny XXXX XXXX XX/XX/1981 SS XXXX CAPITAL ONE XXXX XXXX  # XXXX Dear Credit Collection Service Section XXXX XXXX XXXX XXXX a ) of the Fair Debt Collection Practices Act states that a debt collector must send within 5 days after initial communication with a consumer, validation of debt that contains a statement that unless a consumer disputes the validity of a debt or any portion then the debt will be assumed to be valid, must send the name of the creditor to whom the debt is owed, and the name of the original creditor if different from the current creditor. I am unaware of this debt I also need to State I never received this notice prior to this being placed on my consumer report. If you believe your company sent out this notice according to the fcra then please produce my signed signature return green receipt which came via certified mail from your company. If youre not able to produce this simple information that Im requesting to prove your company in fact sent this notice to me and follow the law you must delete this account off my credit report immediately from all credit reporting agencies such as XXXX XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My husband and I have a XXXX XXXX that is our only source of income for our family. We have XXXX Bank of America business credit cards with Bank of America. Until recently we have always been able to make our payments on time. On XX/XX/XXXX BOA withdrew {$2700.00} out of our checking account to pay CC # 1. This setoff payment included the minimum amount due for XX/XX/XXXX. On XX/XX/XXXX BOA withdrew {$4000.00} for CC # 2 and left us with less than enough to cover our rent, payroll, or any living expenses. We have tried working with the bank and they will not return the money. Our deposit agreement with the bank says that setoff payments will not be used to pay credit card payments. I certainly don't want to default on any balances due, but not sure how I can recover when I am not able to pay my mortgage, utilities, payroll, minimum payments for other balances or provide food for my XXXX children when over XXXX XXXX  was withdrawn unexpectedly. I understand BoA would like their past due money. But without the money in our account we are not able to get products needed to finish orders that would put more money in our account that would produce the ability to make our payments. Any assistance would be greatly appreciated. We were not given any notice of these deductions.
Consumer complaint received 2023-12-15
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)

Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. Transunion, XXXX and XXXX has ignored my requests and I would like this account to be removed from my file.
Consumer complaint received 2024-01-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Sezzle Inc. (NY)

I purchased a XXXX costume from the merchant XXXX which totalled {$72.00} on XX/XX/23. To pay for the item, I used a third party Buy Now/Pay Later company called Sezzle. Sezzle issued me a XXXX card to pay for the item and I would pay Sezzle back in XXXX bi-weekly payments until the total is paid off. Unfortunately after receiving the item, I had to return it to the merchant. XXXX refunded me only {$53.00} because they charged me {$18.00} for a restocking fee which I don't have a problem with. The refund went back to Sezzle and they in turn would send me the refund. I made 3 payments to Sezzle totaling {$54.00} at the time the refund was issued to them. Sezzle refunded me {$35.00} and keeping {$18.00} which was the last and final payment I would have paid them had I not returned the item. I have been communicating with Sezzle by email requesting my full refund, but they refused to give me the remainder of my refund which is {$18.00}. Instead of them cancelling the last payment, they are charging me because they want to be compensated for the restocking that the merchant charged me. I feel I shouldn't pay for an item that has been returned and I would be paying the restocking fee twice. I've dealt with other 3rd party companies before in which I've returned items and gotten a full refund. Please help me get the rest of my money. Sezzle has probably done this kind of business to other customers and that's wrong.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern, This letter is to inform you I am currently in the process of purchasing a home. Upon reviewing my credit report, it shows I currently have two other accounts opened with Capital One, which are not mine. Account numbers are ending in # XXXX and # XXXX. I am requesting an investigation to be opened up and for these accounts to be removed off my social security number and credit bureaus. My only true account ends in account # XXXX. 

Below you will find the information requested over the phone : Name : XXXX XXXX Previously XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Last XXXX of Account # : XXXX XXXX : XXXX XXXX : XX/XX/year> In addition, on the attached XXXX XXXX  report, page XXXX, a name variation that pulls up is XXXX XXXX XXXX That has never been my name nor have I completed any applications with that name. Please fix this error and remove off my credit report as soon as possible. 

If you have any questions, please do not hesitate to contact me at any time at XXXX or XXXX. 

I appreciate your assistance with this urgent matter. Thank you in advance!
Consumer complaint received 2024-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

I opened a savings account with Marcus Goldman Sachs with a {$50000.00} transfer from XXXX on or about XX/XX/XXXXXXXX 
When I received the XX/XX/XXXX statement by email from Marcus instructing me to login to review my saving account statement, the page loaded instructing me that my account was temporarily locked and to call customer service. I called customer service who wanted to send me a pin code to the cell phone number on file. I informed them that I had changed my cell phone number and proceeded to give them the new number. 
I was informed by the customer service representative that they could not verify my cell phone number through their system and that the account was under review. They informed me that the review would take 1-3 business days, which would have taken up until XXXX XXXX XXXX 
As of today XX/XX/XXXX when I again received an email to review my statement by logging into their web portal, again it says my account is temporarily locked. I called customer service to gain access to my account and am still being told my account is under review. I have given them my new cell phone number several times since XX/XX/XXXX, and as of today XXXX XXXX, they have the old non-working cell phone number on the account. 
I am reaching out for help to access my funds with this institution. I have done everything they have asked of me, which was to wait for the review to finish, but nothing has been done and I still can not gain access to my funds. I need help as there is no physical branch that I can go into to speak with someone in person and show my government ID to verify this is my account and my funds. As we speak I am speaking with XXXX from fraud department who would not give me any information as to why my account is under lock.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

I have never heard of this company. I have never spoken with them or did business with them im asking for a immediate removal from my credit file as this is causing a major hardship within my credit. If this is not removed I will file legal action.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

I was sent a letter from Zions with a contract and a letter from XXXX attached. The letter from XXXX was completed on the same day as the email and has no information on who completed it. The address on the letter is an address from over 15 years ago, and not associated with the account at all. I contacted XXXX, as well as XXXX, no one is able to find the account number on the letter provided or any account associated with myself. The letter says that it was sent from XXXX stating that the debt was bought by Zion. I want to know who provided this letter, the letter is not real.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XX/XX/2024, After not being able to log into my account to retrieve my account number, i went in person to my nearest Bank of America to get the information but i was yet again directed to an automated voice machine who couldnt properly handle my problem. I tried dozens of times to retrieve an authorization code only to be met with the same responseThat I need my account number, I couldnt access my account number because my card & mobile app was locked. Causing a circular dilemma i cant seem to get through to my money or my mobile app BOA account. Due to this situation im going to be late on paying my monthly rent & other bills. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. In accordance with the Fair Credit Reporting Act the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.