davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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. (TX)

PER FCRA, as a federally protected consumer, I am now opting out of any and all authorizations or consents to report that I, the consumer may have given you, written, non written, verbal or non verbal. PER 15 USC 6802 ( See attached opt out letter ) EFFECTIVE : IMMEDIATELY & INDEFINITELY. DATED BACK TO XX/XX/2023 PER PRIVACY ACT AND YOUR TERMS & CONDITIONS YOU HAVE VIOLATED MY NON PUBLIC IDENTIFIABLE INFORMATION AND I ASSERT MY RIGHTS AND DO NOT GIVE CONSENT FOR MY INFORMATION TO BE SHARED WITH ANY AFFILIATES OR THIRD PARTY AFFILIATES ie : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX etc...
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NJ)

I made security deposit with XXXXXXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX XXXX and some other collection agency XXXX cant recall
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (MO)

I do not dispute the fees charged me are allowed by contract. I complain that the fees are excessive. The bank offered a refund ; I am not worried about my XXXX. I am concerned about those who are crippled by these fees. 

On XX/XX/23 I used a XXXX XXXX XXXX to access my BMO XXXX account to : XXXX ) inquire about my balance XXXX ) withdraw XXXX from my account. 

I was charged : XXXX from XXXX for the inquiry, XXXX by BMO for the inquiry, XXXX by XXXX for the withdrawl. ( I was expecting this. ) XXXX by BMO for the withdrawal for a total of XXXX. 

For sake of documentation, I videotaped the same sequence while withdrawing XXXX. XXXX on XXXX is XXXX %. The XXXX charged by BMO is XXXX % of the XXXX I got from the XXXX. This is too much especially for a low income person who typically will be withdrawing smaller amounts of cash. 

XXXX replace tellers at XXXX XXXX XXXX branch banks. They save banks money. They are convenient but they also have negative social consequences. Banks should not be charging us to use XXXX while replacing workers and emptying storefronts. I should be able to see my balance and to withdraw funds for free as it had been and still is in the XXXX branches. 

The banks are part of the down escalator for low income persons and up escalator for the shrinking middle. I will now shop for a new bank that will pay me XXXX to open an account and cash back on purchases. 

Banks no longer serve a useful purpose. Their functions should be taken over by XXXX and all Americans given a fee free bank account.
Consumer complaint received 2018-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (MI)

I have a charged off Nordstrom Credit Card from XX/XX/XXXX. Nordstrom sold this debt in XX/XX/XXXXto a collection agency called XXXX XXXX. I called Nordstrom to offer a settlement but they told me I need to work with XXXX XXXX Ok, no problem. However, each month, Nordstrom ( not the collection agency ) is updating my credit report to reflect a balance due on a closed, charged off, sold account that they will not accept payment for. Each month they update " FP '' or " Failed to Pay ''. This is a misrepresentation. I am not currently failing to pay Nordstrom as they do not own the debt any longer and will not accept payment for it. The Nordstrom representative told me that Nordstrom handles the credit reporting while XXXX   owns the debt. This is a violation of FCRA and a purposeful way to have a harsher impact on consumer credit scores as this is factored into utilization. The collection agency owns the debt and is therefore the only one with rights to report it. Nordstrom updating this information each month is a way to leverage credit impact over the consumer instead of having the collection agency report it themselves. I want Nordstrom to stop updating this information each month inaccurately as " FP '', update to a XXXX  balance, and remove the FPs in each prior month the debt was owned by the collection agency.
Consumer complaint received 2023-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent multiple certified mail letters to Transunion 's dispute address, and they all keep getting sent back, here is my dispute.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

trans union has made claims that the Bankruptcy on my record is valid and verified but refuses to send me verifiable proof even though iv requested several times! they must remove this Bankruptcy pursuant to 15 USC 1681 sub section 604 they can not furnish my acct without my written consent. And have failed to send me verifialible proof of the acct please remove it immediatley or i will pursue litigation against them under section XXXX & XXXX!
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MoneyLion Inc. (VA)

I was told by MoneyLion that because the information that had been provided to them years ago was not correct which i believe I uploaded an old id while waiting for my XXXX one to be mailed to me which caused the entire mess did not match public records I would be unable to verify my identity with them or ever use any of their products. I was told that it is impossible to have any of my information corrected and updated which is a violation of a XXXX residents consumer rights to exercise data access, deletion, or correction as well as consumer rights non discrimination.
Consumer complaint received 2023-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NY)

This company called Debt Recovery Solutions placed a debt collection report on my credit report. I have never ever conducted any business with this company and I believe that this company is committing fraud because its attempting to collect money for a debt that doesn't pertain to me. I requested for this company to send me documents that show my signature to prove that I made any contractual agreement with them and they failed to produce it. My credit report is being damaged by their report on XX/XX/XXXX. I plan on suing this company for violating the laws regarding harassing my phone demanding this outrageous amount of money to be paid to them.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (FL)

Loancare offered me a modification in XX/XX/XXXX, but it was still not affordable for me and I missed one of the required payments. I called Loancare to discuss and was finally advised to submit a request for assistance online to avoid foreclosure ( the CSR I spoke with specifically advised that foreclosure would not proceed as long as I've formally applied for financial assistance. On XX/XX/XXXX, I submitted a financial assistance application online. I entered all of my financial info & submitted proof of income. I have a PDF copy of the application that is date stamped by Loancare 's system confirming the date and time the application was submitted. When I called Loancare in early XXXX, I was told that a response could take a few weeks, so I wasn't alarmed that 3 weeks later I didn't have a response. 

On XX/XX/XXXX, I received an advertisement in the mail from an attorney offering to help me with my foreclosure suit. I immediately called Loancare and learned that I was 'too late, the foreclosure suit had been filed & signed by the judge on XX/XX/XXXX. ' The CSR further stated that there was no record in the system of my XX/XX/XXXX application. The only assistance he could offer was for me to apply again and he emailed me yet another application. 

I should add that this was my 3rd application since XX/XX/XXXX ( 5th application overall submitted in XXXX ). The other applications were mailed to me and I mailed them back and somehow, they were never received or found in the system. This is why on XX/XX/XXXX, I decided to apply online when I learned that was an option. 

This error has cost me thousands of dollars. I don't have the exact amount, as I've been waiting for 8 days for a reinstatement letter from Loancare to show me the breakdown of my costs. As an additional example of the incompetence of this company, I specifically requested to have the reinstatement letter emailed to me ( as I have a loan pending to bring the mortgage current ). Yet another mistake was made & I learned this morning that the letter was mailed to me via USPS. I have spent most of this morning calling & emailing and as of XXXXXXXX XXXX, I still don't have a copy of the letter that Loancare can see in their system. 

My evidence is as follows : 1 ) Attachment A is a screen shot showing that once all of your financial assistance application is entered, the system generates what's referred to as a XXXX form, or summary of what you entered. This screen shot was taken today for illustrative purposes. 
2 ) Attachment B shows that once you indicate your consent, the system auto signs your name and places a date/time stamp. The only way to obtain this document is through Loancare 's online mortgage assistance application. 
3 ) Attachment C is my online application - signed and dated XX/XX/XXXX.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NC)

I opened this account for credit building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments which are inaccurate and in violation of 15 USC 1681. Not only are they in violation for furnishing an account with inaccuracies, but this account is also in violation of 15 USC 1666B. There is a billing error considering the accommodation and the account was paid and closed.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (FL)

Last XXXX  I called US Bank ( approx XXXX ) as I was unable to create an online account. I was escalated after being told my personal information was incorrect. I was told it would be corrected. 
Last Saturday XX/XX/2024, I called to ask if I could have a due date change as the pmt is too close to my mortgage. Rep said she could not service me because I was giving her an incorrect date of birth. 
I was told to go to US Bank with an ID or call the dealership. 
How did US Bank approve a loan with an incorrect date of birth? Why am I being penalized and unable to do anything except send them money?
Consumer complaint received 2024-03-27
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: NAVY FEDERAL CREDIT UNION (TX)

I checked my credit report recently and noticed some unauthorized inquires that wasn't from me and they are listed below. 



navy fcu XX/XX/XXXX navy fcu XX/XX/XXXX navy fcuXXXX
Consumer complaint received 2023-11-21
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. (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.

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 2023-09-15
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over 8 thousand. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (GA)

Dear XXXX XXXX, XXXX XXXX Experian, I am writing to request the removal and deletion of hard inquiries from XXXX XXXX XXXXXXXX XXXX credit report. The inquiries that need to be removed are as follows : - An inquiry 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 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 I am making this request under the following laws : SECTION 604 15 U.S. CODE 1681B Permissible purposes of consumer reports. This law states that consumer reporting agencies may furnish consumer reports only for certain purposes, including credit transactions, employment purposes, and insurance underwriting.

SECTION 605 A 15 U.S. CODE 1681C-1 Disclosure of investigative consumer reports. This law requires consumer reporting agencies to disclose to a consumer if an investigative consumer report was obtained for employment purposes.

SECTION 605 B 15 U.S. CODE 1681C-2 Block of information resulting from identity theft. This law requires consumer reporting agencies to block any information in a consumer report that results from identity theft.I believe that the above-mentioned inquiries do not fall under any of the permissible purposes of consumer reports. Therefore, I request that these inquiries be removed and deleted from my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2018-10-25
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX, XXXX  XXXX,
Consumer complaint received 2018-10-25
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX/XXXX  XXXX,
Consumer complaint received 2018-10-25
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: Experian Information Solutions Inc. (MD)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Experian : 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  Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX   Experian : XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX   XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (CA)

We were send a closing document to sign that was unbalanced/contained errors. It was sent to us at the end of business day when there was no one available to call to ask questions to. We looked at/acknowledged it. The next day we were notified that there were errors in the closing document/that it was unbalanced and told that we had <1 hour to decide if we wanted to delay closing/risk losing the house or lose out on {$5500.00} worth of seller credit. No one took responsibilty for the error. In fact, we were blamed for the error ( the mortgage representative told us the error was because we rushed them ). I have tried multiple times to address this with bbva. The mortgage lender has not acknowledged or taken responsibilty for the error in the CD that lead to our loss.
Consumer complaint received 2024-03-22
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)

I HAVE TRIED FOR YEARS TO HAVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM NOT SURE HOW XXXX XXXX GOT A HOLD OF MY PERSONAL INFORMATION BUT THE ACCOUNTS ARE NOT MINE, I NEVER PERSONALLY SIGNED ANY CONTRACTS WITH XXXX OR ANY OF THEIR AFFILIATES TO GET HTESE 2 LOANS, I HAVE REACHED OUT TO THE FAIR TRADE COMMISSION, I HAVE REACHED OUT THE BUREAUS. FOR YEARS I HAVE NOT GOTTEN A RESOLUTION. AGAIN THESE ACCOUNTS WERE NEVER OPENED BY ME, I HAVE MADE IT VERY CLEAR TO XXXX REPRESENTATIVES THAT THESE ACCOUNTS ARE NOT MINE, BUT THEY SEEM TO BE VERY CARELESS IN UNDERSTANDING THE FACT THAT I AM A VICTIM AND I NEVER OPENED THESE ACCOUNTS, ANY PAYMENTS MADE ON ANY OF THESE ACCOUNTS CAME FROM BANK ACCOUNTS THAT I NOT MINE, WHY IS XXXX PENALIZING ME JUST BECAUSE THEY DIDN'T DO A GOOD JOB IN OBTAINING ACCURATE INFORMATION. I EVEN WENT TO SMALL CLAIMS COURT AND STILL NOTHING.
Consumer complaint received 2023-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NJ)

South West Credit syste Original creditor XXXX XXXX XXXXXXXX : {$360.00} Account XXXX XXXX XXXXXXXX Date open : XX/XX/ I wrote a letter to my credit companies XXXX, XXXX, and XXXX to dispute the false debts. No response was given.
Consumer complaint received 2023-04-24
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. (AR)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX