davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

According to my research about FCRA 605, XXXX Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

I have come across numerous instances where my venders have not received my payment though it is paid out of my account. On XX/XX/XXXX, I received a message from Regions that a payment I sent in XXXX of XXXX had not been cashed and it was refunded. 
It doesnt seem legal that you are debiting my account for a payment that has not cleared. It creates confusion when my venders question why I havent paid them and your records imply that I have. It also does not seem legal that you charge me for an overdraft on a check that has not cleared. You are using my funds and charging me fees for payments that have not cleared. 
I opened my personal account in XXXX and my business account in XXXX at XXXX XXXX, where I was employed, which through multiple merges is now Regions Bank. I have been an extremely loyal customer for over 40 years but in the past several years, I have asked myself why on multiple occasions. It is not your problem, but business is difficult enough in this economy and you are a liability.
Consumer complaint received 2023-04-26
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

Re : Request for Reinvestigation and Monetary Relief - LVNV FUNDING LLC To Whom It May Concern, I am writing to bring to your attention the continuous and blatant violations of my consumer rights by LVNV FUNDING LLC, and to request a thorough reinvestigation into their unlawful debt collection practices. The details of the violations are outlined below, supported by relevant federal law codes, UCC codes, universal law codes, and Mississippi law codes. 

Summary of Violations : Unauthorized Contact with Employer : On XXXX LVNV FUNDING LLC contacted my employer without my written or verbal consent, violating Title 15 U.S.C 1692c ( a ) ( 3 ).

Failure to Validate Alleged Debt : Despite my efforts to dispute the alleged debt, LVNV FUNDING LLC failed to provide validation and continued with garnishment proceedings, violating Title 15 U.S.C 1692g. 

Garnishment Without Validation : LVNV FUNDING LLC proceeded with garnishment, deducting {$300.00} from my employment wages without providing proof of a valid debt, a direct violation of Title 15 U.S.C 1692g ( c ).

Multiple Violations of Consumer Rights : Title 15 U.S.C 1692b - Unauthorized acquisition of location information.

Title 15 U.S.C 1692d - Harassment and abuse.

Title 15 U.S.C 1692e - False or misleading representations.

Title 15 U.S.C 1692f - Unfair practices.

Title 15 U.S.C 1692i - Legal actions by debt collectors, including improper court summons. 
Furnishing Deceptive Forms : LVNV FUNDING LLC violated Title 15 U.S.C 1692j by furnishing deceptive forms, including sending documents to an address that does not belong to me.

Civil Liability : Pursuant to Title 15 U.S.C 1692k, LVNV FUNDING LLC is civilly liable for violating my consumer rights. 

Pattern of Violations : LVNV FUNDING LLC has a known history of violating consumer rights, as evident in CFPB cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Request for Investigation and Relief : I request a comprehensive investigation into LVNV FUNDING LLC 's unlawful debt collection practices and immediate remedies for the following violations : Unauthorized contact with my employer. 
Failure to validate the alleged debt. 
Garnishment without proper validation. 
Multiple violations of consumer rights under various sections of Title 15 U.S.C.

Furnishing deceptive forms.

Civil liability for continuous violations and a known pattern of misconduct. 
Monetary Relief : I demand {$1000.00} in punitive damages, in addition to the {$300.00} wrongfully deducted from my wages, as LVNV FUNDING LLC 's actions have caused significant harm and distress. 

I appreciate your prompt attention to this matter and request a resolution that holds LVNV FUNDING LLC accountable for their unlawful actions and ensures the protection of my consumer rights. 

Sincerely,
Consumer complaint received 2023-09-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (MO)

BMO Harris Bank keeps charging me excessive overdraft fees and not even covering my overdraft although I signed up for overdraft protection they have never covered any overdraft but continue to fee me excessive fees for a {$2.00} charge in the negative at XXXX  XXXX XXXX they charged me {$36.00} I'm currently in a economic hardship and they refuse to reimburse me the excessive fees! Also they state they sending back my auto withdrawal from XXXX XXXX XXXX and charge me more and more although I opted into overdraft protection this bank is frivolous in that they excessively charge and fee u to much!
Consumer complaint received 2023-04-26
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. (NC)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX UNIT XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FORD MOTOR CREDIT CO. (NC)

I XXXX, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX hereby accept all titles, rights, interest, and equity owed to XXXX XXXX XXXX. 
I hereby instruct CFO to apply the PRINCIPAL balance to the PRINCIPAL, Account # XXXX for set-off. 
I also instruct CFO to communicate in writing within 5 business days once instructions are completed.

If instructions are not completed, I instruct CFO to respond in writing 5 business days giving reason of non-performance of fiduciary duties.

If no communication is made within 5 business days I XXXX, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been completed. 
Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington XXXX District of Columbia, or at any Federal Reserve bank.
Consumer complaint received 2023-04-26
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. (NV)

Account name : XXXX XXXXXXXX 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 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. I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (PA)

I held/have a Dillards American express credit card that was originally manage through XXXX and was recently switch over to Wells Fargo bank. My account was recently closed due to non-payment, which the last payment I personally made on this account was in XXXX and was informed that the credit protection that I had taken out on this card from its original management XXXX would be making the payments because I was approved for benefits from a claim that I had been filed that was never honored. I spoken to XXXX executives over a wells fargo bank ; XXXX XXXX, and XXXX XXXX who have yet to get back to me and also I have left numerous messages. At this point I 'm ready to take legal action on both companies ... .. 
This is my new credit card number XXXX and this here is my old credit card number in which the credit protection has on file XXXX and this is the card number the new claim is approved on
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (VA)

An account with both my name and XXXX  sons name was opened underfalse pretenses. I was told I had to be a custodian for my son to have banking access, and now I'm being informed the account is " joint ''. The said account has been garnished under a law garnishment and is actually my XXXX  sons account and is my sons wages from his employer and contained none of my personal money. The legal department argued with me about the account that it's joint, however per Virginia law even if he was my husband ( which he is not he is my XXXX XXXX  ) but even if such they could only garnish 50 % of the account per law. My son has been devastated through this ordeal and is now scared of financial institutions and putting his money in the as he's had his entire account taken and additionally his paycheck from yesterday as well. The bank has many misleading words on their website I will attach images. Parents can be mislead to open an account and their child fall victim to adult garnishment.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-26
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: Experian Information Solutions Inc. (TX)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2023-11-03
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. (NE)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 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
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (GA)

I graduated in   XXXX   and promptly consolidated all of my student debt into an income-based repayment plan. My original consolidation loan with the Dept. of Education was sold to Great Lakes. For the past six years, Great Lake has refused to recognize that I have a consolidation loan. They say that " We have put you into a standard repayment plan. '' and then want me to sign up for a NEW consolidation loan. If I do that, the terms of my existing loan will be negated, which I do not want to give up. Great Lakes says they do n't have a copy of my original promissory note, which I do have a copy of and have sent them. They STILL refuse to accept my existing consolidation loan. My original student debt was {$60000.00}. In 7 years they have added so many penalties and interest that today (  XXXX   XXXX  ) I owe more than {$80000.00}. I will never be able to pay this off. They list my loans as defaulted, which mean I will never be able to buy a house, get a credit card, or improve my credit rating. This has RUINED me financially. I have attempted many times to talk to Great Lakes and sent them copies of my promissory note, but they refuse to abide by the terms of my consolidation contract. I tried the federal student loan ombudsman, but that was as a complete waste of time. I have lost any hope of ever repaying this or getting help to resolve the dispute. Great Lakes simply refuses to acknowledge that I have a LEGAL, BINDING, EXISTING consolidation loan and only wants me to sign up for a new, higher-interest loan with them. I 've given up and just accept the fact that I am financially ruined for life .
Consumer complaint received 2023-11-09
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: Applied Data Finance, LLC (NC)

this company has been negligence to direct contact and credit bureaus request of validation of the account reported to credit file. I have sent several police reports to the credit agencies as well as FTC reports that back up my claim of this fraudulant account that has been opened up in my name unkowingly. I have made several attempts in the past 2 years to fix a disaster of identity theft done on my personal Identity. I have yet to have received any evidence of an investigation with Personify and I have been left distraughtly damaged, stressed and neglected. I do not understand. Please have this company investigate this fraudulant account opened in my name and if then delete this account from my credit profile. If not, I will further discuss matters with an attorney to seek legal actions to compensate for damages of negligence, defamation, XXXX and XXXX. 

account number XXXX XXXX XXXX XXXX XXXX last XXXX social XXXX