davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
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: FC HoldCo LLC (TN)

I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (WI)

I have changed phone numbers several times over the years due to personal reasons, somehow now my current number was not able to be validated by LexisNexis when I applied for a credit card. There was no specific explanation provided in the decision letter.
Consumer complaint received 2024-01-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Frontline Asset Strategies, LLC (NY)

on XX/XX/24 i received a letter stating i owed a debt to XXXX. it was from frontline asset strategies , LLC. they mentioned the amount i owed XXXX, which was {$900.00}. This is an incorrect amount, as i do owe XXXX money but, it was about XXXX dollars i had left to pay for an installment and another XXXX for a watch i had with XXXX. As for why I left XXXX with this bill? Lets just say I stood longer than anyone in my position with this company would have stayed. They made a very big mistake on my account and admitted they made one but still stuck me with a big bill I wasnt liable for. Its a long story i wont go into here. but frontline is claiming i owe XXXX dollars but didnt give me a breakdown of my bill. Then they said they can garnish 90 PERCENT of my earnings over 90 days if they get a judgement against me in court. This is illegal in XXXX where i live as they are only allowed to take 25 % MAXIMUM. If im wrong please someone tell me because this is making me angry as XXXX is still harassing me for this. Im going to sue frontline if they try this on me.
Consumer complaint received 2023-04-18
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. (MD)

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 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 2023-04-18
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. (TX)

I have over the past 9 months been trying to get inquires and trying to get incorrect check systems and early warning information of my credit report I have been a victim of identity theft and have been in 17 data breaches and I have also had money taken out of my account sometimes the banks give me the money back sometimes they do not. I was hit from XXXX XXXX XXXX several times my credit has inquires that are not mine i have filed reports and ftc reports disputes after disputes and keep spending money after money and they are not doing what the consumer law states. I give them disputes of information to take off then they add information. there is even right now a double fraud alert with all bureaus and i have file a police report and i have a active claim with XXXX  with the credit collectioon ad still nothing. I have been more than patient i demand that these off my report. police report XXXX XXXX XXXX pages of issues with all the reports and they are not doing anything about it. XXXX is getting the report. tomorrow XXXX XXXX XXXX. I depand that all the early warning and all the information names and jobs get taken off immediately.
Consumer complaint received 2023-10-27
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. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Oklahoma Motor Credit Company (OK)

These people need to be charged with attempted murder conspiracy to commit murder aiding a bedding lying and falsifying documents. I have proof that they did not provide the title within XXXX  days, XXXX XXXX shcinzing is having an inappropriate relationship with another attorney. I've complained several times nobody has done anything about it you are allowing people to continue to commit crimes against me and nobody has done anything about it. Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which currently are already being sued in a federal lawsuit that was filed XX/XX/year>. In XXXX XXXX continues to allow these people to report incorrect false information in a still have not removed it I've told them that several times and prove that several times and they still fail to remove the negative item. And they're in a conspiracy theory to commit murder with these people. They continue to allow these people to get away with crimes perpetrated against me.
Consumer complaint received 2024-01-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I am writing to file a formal complaint against Credit Acceptance Corp regarding an auto loan account with Account Number XXXX, which was allegedly opened on XX/XX/2017, and currently shows a balance of {$8700.00}. I have discovered this account on my credit report and believe that I am a victim of identity theft. 

The circumstances surrounding this account are deeply troubling, especially in light of the XXXX database breach that occurred around the time this account was supposedly opened. Pursuant to the provisions outlined in 15 USC 6804 and 15 USC 6802 ( b ), I have formally disputed the existence of this account with Credit Acceptance Corp, requesting a thorough investigation into its origin and legitimacy. 

Furthermore, I have exercised my right to opt-out of any information sharing practices related to this account. I have also requested all pertinent documentation related to the account, including applications, signatures, contracts, a copy of the drivers license, and any other information on file. 

Despite my efforts to rectify this situation directly with Credit Acceptance Corp, I have encountered resistance and am concerned about the potential impact on my credit and financial well-being. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter. 

I kindly request that the CFPB investigate this dispute and take appropriate action to ensure Credit Acceptance Corp complies with the relevant consumer protection laws. Moreover, I request your intervention to halt any collection activity associated with this disputed account and to address the potential violation of my rights under the Fair Credit Reporting Act. 

Enclosed, please find copies of the dispute letters I have sent to Credit Acceptance Corp, along with any supporting documentation related to this case.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. ()

I have 5 credit cards used monthly and paid by US mail monthly. XXXX with XXXX, XXXX thru XXXX and one a Costco Citi card. Over the past year twice CITI claims they have not received payment. No issues ever reported with the other 4 cards. I have no reason to believe it's the post office. The last time this occurred eventually it was resolved after the due date. I mail all invoices 9 or 10 days before the due date. I think Citi is at fault and I think they have been dirty ever since XXXX XXXX ran the company. Currently my Citi card is delinquent, even though I show it mailed XX/XX/XXXX or XXXX. Check has never been posted as paid by my bank. I think they are punishing users who still pay thru the mail and not digitally, looking for any discrepancy to cause late payments.
Consumer complaint received 2024-01-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: RAYMOND JAMES BANK (NJ)

I submitted for a loan modification. My income is much more then what is required. Raymond James Bank has had me going back and forth for 6 months asking for documents. I have sent them everything that was asked for. They give me a list of stuff which I send in, then they give me an entire new list that has nothing to do with the prior list. They are playing games with me and many other home owners by continuing to ask for documents and allowing older ones to expire when they have more then enough to review and approve my loan modification. They have done this for 6+ months and now I have a sale date that they refuse to postpone to allow me a proper loan modification review.
Consumer complaint received 2024-01-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (PA)

I had an account with Fortivia to have XXXX  months to pay off furniture from XXXXXXXX XXXX XXXX XXXX I had a tittle loan company make a check out to them to fully pay off the account within XXXX  months. During that time they charged me a fee of XXXX and said it was an annual fee. I told them I only had the account for XXXX months. Then their company received my check for XXXX, and my lending company and my bank have a copy of the check that was stamped and deposited into a account by Fortivia. When I call Fortivia they said they don't have any record of my check and they can't help me other than if I want to give then a credit card to pay for my account. They have a po box so there is no way to send them a check though certified mail. In the meanwhile, they took away my store credit, continue to charge me late fees and reported me to the credit bureau 's for not paying on my account, even though they deposited my mailed check for XXXX. I also only owed them XXXX, so they actually owe me money, and they refuse to help me with crediting my account and acknowledging the check I sent. My lending and title company is trying their best to pursue this situation. Not sure what else do? They took my XXXX and they now say I owe XXXX, when I only owed XXXX, because they keep charging me extra fees. The XXXX XXXX  has a copy of the check that shows the check with the stamp on it for deposit. It was deposited by Fortivia on XX/XX/2023. We have all the evidence they took my money.
Consumer complaint received 2023-12-12
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. (TX)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MO)

XX/XX/XXXX my car was taken from my house. The driver hooked my car up and while pulling the car. The car collided with my garage. He stopped briefly once realizing the connection and then continued to drag the car from where it was parked. I contacted Wells Fargo and they were unable to answer my questions XXXX. What company repossessed my vehicle. I questioned them if I needed to file a police report because of the manner it was taken from my home and their unwillingness to offer the information I was requesting. 
XXXX. Where is my property. Unable to provide the location of my property I contacted them several times and was unsuccessful at receiving the information. 

The week before XXXX. I called Wells Fargo and requested the amount required to receive my car back and I was informed that if I wanted my car back I had to call Wells Fargo and pay {$20000.00} by XX/XX/XXXX and that my Auto Loan was " charged off '' I was again confused because I didn't understand how they sold my debt and charged off my auto loan and I was still required to pay Wells Fargo and this company they would not give me the companies information they sold my debt to. 

I called Wells Fargo on XX/XX/XXXX begging for my car back and to pay what i owed because i needed my car. They did give me incorrect information of where my car was and where my property was. I was provided inaccurate numbers of the locations. I called the numbers they provided me with and had not been able to reach either locations. 

Wells fargo extended my time frame to XX/XX/XXXX to pay XXXX told them i could pay what is owed and i dont understand how i am required to pay the XXXX when it was charged off to receive my car back because I am now going to still owe the debt collection agency they sold it to. I was instructed by wells fargo to try to refinance the auto loan of {$20000.00} to receive my car back. 


XX/XX/XXXX i still haven't received any information pertaining to the correct location of both my car or the property
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-18
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. (NY)

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.
Consumer complaint received 2023-04-18
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. (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports. 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 

account name : XXXX account # : XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$41.00} {$41.00} {$41.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$63.00} {$63.00} {$63.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NY)

ON XXXX XXXX XXXX XXXX  NOTICED MY TD BANK ACCOUNT WAS DISCONNECT FROM MY EXPERIAN ACCOUNT WITH-OUT MY PERMISSION, I IMMEDIATELY CALLED TD BANK SPOKE WITH THEIR REPRESENTATIVE AN EXPLAINED MY SITUATION, TD BANK WOULD NOT RESOLVE MY PROBLEM OF RECONNECTING ME TO MY EXPERIAN ACCOUNT. 
 
I NEED HELP 
WITH THIS PROBLEM IT HAPPENS EVERY OTHER MONTH!
Consumer complaint received 2024-01-09
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: Credit Bureau Services Association (TX)

CREDIT BUREAU SERVICE ASSOC ( CBSA ) is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. I will attach the dispute letter mailed to the company XX/XX/23 which is dated, and time stamped. Credit Bureau Services failed to respond to debt validation letter as well as the cease and desist. Delete the account CREDIT BUREAU SERVICES XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, 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. (CA)

TransUnion- XX/XX/XXXX Several inquiries reported last year in 2021 that were not authorized, I submitted a letter in writing but was unable to get any resolution.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I hope this letter finds you well. I am writing to bring to your attention a distressing situation I have encountered with my Chase Bank account. I am reaching out to express my dissatisfaction and seek assistance in resolving the matter. 

On XX/XX/, I fell victim to a XXXX scam where the perpetrator falsely claimed to be from XXXX. They suspended my cell phones on the account and requested payments to reconnect the service. Unfortunately, I unknowingly transferred funds from my Chase account under the belief that I was making a legitimate payment. It later came to my attention that this was a fraudulent transaction, and I promptly reported the incident to both XXXX, XXXX and Chase Bank. 

The amounts in questions are for 2 transactions with the amounts and the transaction ids {$310.00} {$670.00} XXXX payment to XXXX XXXX XXXX payment to XXXX XXXX Despite my immediate action and diligence in reporting the unauthorized transaction, I am disappointed to inform you that my efforts to recover the funds have been unsuccessful. I am troubled by the financial loss resulting from this unfortunate incident. 

I understand that maintaining the security of online transactions is a shared responsibility between customers and the bank. However, I believe that as a loyal customer of Chase Bank, I deserved a more proactive and supportive approach in addressing fraudulent activities, especially when it involves unauthorized transactions through XXXX. 

I kindly requested that Chase Bank thoroughly investigate this matter and expedite the process of refunding the funds to my account. The Fraud Claim # is XXXX. 
I am more than willing to provide any necessary information required to assist in this compliant. 

I trusted that Chase Bank values its customers and was committed to resolving this but unfortunately did not. I been going back and forth with XXXX and Chase for months. Chase Bank close my Fraud claim without making any attempts to contact me so was left thinking the this issue was still being investigated for months. Chase is saying they can not refund these charges because it came from the same IP address and Face ID token. The XXXX transactions were done on a computer not a mobile device and I was scammed. After escalating this to their management, they still will not refund these debits. I'm at a lost and I just recently lost me job on XX/XX/ and desperately need the money. 

Thank you for your understanding and cooperation in resolving this issue. I look forward to a favorable resolution.