davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$2000.00}
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Experian, XXXX and XXXX To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX
Consumer complaint received 2023-08-31
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. (NV)

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EQUIFAX. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (MI)

XXXX But XXXX XXXX are not my cousin 's and somebody rewrite it all devices compromised even landline if I had one internet and cable XXXX XXXX XXXX XXXX since born and military redux pay all missing someone else is getting or trying to get it and pay from the government XXXX XXXX wrote in to the FBI too and CIA secret service and civil service and more about me
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a bankruptcy on my credit reports, which is in violation of consumer protection laws. 

Upon reviewing my credit reports, I discovered that there is a bankruptcy notation inaccurately listed. This erroneous reporting has significantly impacted my ability to access credit and has caused undue distress. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Furthermore, the FCRA mandates that consumers have the right to dispute inaccurate information and request an investigation to correct any errors. The inaccurate reporting of a bankruptcy on my credit reports directly violates these provisions. 

Additionally, the ECOA prohibits creditors from discriminating against applicants on the basis of bankruptcy status. By inaccurately reporting a bankruptcy on my credit reports, the creditor in question is potentially violating this law by using misleading information to assess my creditworthiness.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP (IL)

I received waves garnishment notification from my employer for dead I did not accrue I was never served for the court arraignment per Illinois state law I'm not responsible for this debt and I also could have this overturning Court due to not properly being served for the summons. I was advised to go through the FTC or complaint hotline or website first to resolve it rather than going through a whole another litigation process due to fraudulent actions taking place through XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WV)

I received a check in the mail and then continue to go online at Chase XXXX Bank and then use the check cashing service to cash the check into my Chase checking account which let it be pending and then it took it out and said it was returned not authorized and now they're closing my accounts with no reason why said I would receive a letter in the mail explaining what happened this is going to cost me time and money cuz I have these accounts linked when this is no fraud or scheme of my own but on something of their own company or check cashing service that done this that I had no control over
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/year> I received a spam call from Capital One Auto Financing ( XXXX ). I had just gotten a new phone and phone number so I was frustrated and immediately registered my phone in the " do not call '' registry. On XX/XX/XXXX I received another call from the same number who left a voicemail saying that I needed to call back regarding an " urgent matter ''. I have never associated with this company with this phone number nor given them permission to contact me.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am filing a complaint against Portfolio Recovery regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : OpenedXXXX. XXXX, 2020 : The collection account was opened by Portfolio Recovery. 

Nature of Contact : Portfolio Recovery initiated contact regarding the collection of the debt.

Frequency of Contact : Portfolio Recovery has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from Portfolio Recovery on a daily basis, sometimes as frequently as XXXX times per day. 

Calls at Unreasonable Hours : Portfolio Recovery has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, Portfolio Recovery has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
Portfolio Recovery 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from Portfolio Recovery have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and XXXX. 

Abusive Language : During communication attempts, Portfolio Recovery agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : Portfolio Recovery has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

chase bank made XXXX debits from my checking account in XXXX of {$1900.00} total of {$7700.00} without authorization, my bank has tried to get those funds back but they have not been able to recover this money claim # XXXX
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (MS)

They hung up in my face and I called back and they told me to call the next day. They took no actions. They said I didnt have an account with the account number I gave them. My last call was XX/XX/XXXX. They came got my car in XXXX of XXXX and took over XXXX from me in XXXX of XXXX and XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MN)

I was contacted by Affirm INC on XX/XX/2024 regarding payments for a purchase I did not make on XX/XX/2024 for the amount of {$810.00}. I did not make this purchase from XXXX, nor did I authorize this purchase, and I have received no XXXX  Watch as described by Affirm. The messages were sent to the spam box of an old email address I do not regularly check, dating back to XX/XX/2024. Now I am being relentlessly harassed for payment on this supposed purchase I did not make, including interest and late fees. This has already appeared on my credit report as a delinquent account and has affected my XXXX XXXX. I have filed XXXX disputes with Affirm, once on XX/XX/XXXX and again on XX/XX/XXXX. I have also filed a fraud report with the credit reporting agencies as of XX/XX/2024. I was advised by a representative from XXXX XXXX XXXX to file this claim and a fraud report with my local law enforcement. I am doing everything I can to resolve this issue since I did not make this purchase or receive any product. I feel Affirm should not be extending credit to non-verified debtors without being able to provide details on where a purchase originated and was shipped.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has federally protected consumer rights to privacy and confidentiality under 12 UDC 1681. 

Accounts Account # XXXX XXXX XXXX... 
XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 

12 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 con not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting may make any consumer reposts containing any of the following items of information, other than records of convictions of crimes with antedates the report by more that's seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXXXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from XXXX XXXX XXXX and another from Capital One. I called Capital One to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with. 

I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

Hello, I submitted a principal only payment to go into effect XX/XX/XXXX. That applied and I received a notice of forbearance XX/XX/XXXX showing my updated loan balances. 

On XX/XX/XXXX, I received a new statement with different principal amounts. Part of my payment was redistributed across all of my loans leading to my highest interest loans having more principal and leading to larger interest accrual. 

I called on XX/XX/XXXX to inquire what happened and they did not know. After XXXX hours, the customer service person insisted the statement I received from MOHELA ( XXXX XXXX ) was incorrect. I insisted that the payment I made was reflected in the XXXX statement was intended to be correct. They did transfer to a representative to modify my payment amounts. 

They have no explanation as to why the payment was retroactively changed after sending me and updated balance post-payment and have not been able to verify my original payment- they dont seem to have a record of it accessible.
Consumer complaint received 2023-08-07
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. (CA)

Unknown hard credit enquiry by XXXX XXXX on my credit report. 

If you search on XXXX, you would find a lot of people going through the same thing but looks like XXXX XXXX aggressively is after new customers, and is pursuing credit checks without any consent or authenticating proper documents. 

Also, they have no direct line to address this kind of issue. They are asking them to send documents by mail. 

Who would do that, why not by email, or free portal where I can directly file this complaint? No dedicated phone line either. Why would waste my precious time going to mail, writing on paper and submitting to USPS, unless its a government issue? Adding a fradulent enquiry is not my mistake. 


I tried contacting transunion, these guys have no select option on their portal to submit report on credit check ( but they have option to change name etc, smaller things who cares )... Asking them to send by mail or phone. Also chat wait time was 30 minutes more, ( consistently logging me out every 5 minutes in that wait line ) Overall, there is a big loop hole in this entire process, not a single company could add an extra layer of security to prevent opening account without my verbal, face to face consent. Other than freezing my credit check. I am software professional I can do that easily but think of regular not so familiar with computers people. 

I regularly check XXXX XXXX to monitor my credit info so I found out, there would millions of other who does not do this and they will never find out what happened to their unauthorized credit checks. 

I hope the goverment agencies will enforce stricter actions against these kind of practices by this very know finance frauds.
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (LA)

I received a letter in the mail on XX/XX/XXXX stating that my flood insurance had expired on XX/XX/XXXX. I called my mortgage company and was told that i needed to purchase a flood policy and send them the information so they could update it or they would place lender placed insurance on my home. I pay into my escrow every single month with my mortgage payment, however Loancare did not pay my renewal for flood insurance. My insurance company states they never receieved a payment from loancare in XXXX of XXXX either, so i have not have flood insurance for an entire calendar year. My online account with loancare has shown both my homeowners and flood policies to be active for the past year. I called my homeowners insurance next, this policy is set to renew on XX/XX/XXXX. XXXX XXXXXXXX XXXX informs me that they sent an invoice to Loancare on XX/XX/XXXX for renewal of my homeowners, which they also failed to pay out of my escrow account. I am now being told that I have not had homeowners or flood insurance for an entire calendar year. I live in XXXX XXXX and insurance is already hard to come by and outrageously expensive. My mortgage company is now stating that they will be backdating flood and homeowners insurance back to XXXXXXXX XXXX XXXX with lender placed insurance and I will be responsible for paying all 4 premiums now out of my escrow account. The four premiums would be 1 flood policy backdated by loancare, 1 homeowners policy backdated by loancare, 1 flood policy for the XXXX, and 1 homeowners policy for XXXX. I have all documentation showing our mortgage company being billed for insurance and all phone calls since speaking to mortgage company have been recorded by not only myself but the mortgage company as well. My concern is that Loancare is going to backdate flood and homeowners policies for over a year ago and i have to pay for their mess-up. My other concern is that i am unable to get a policy writtten since i have not had continuous coverage due to their negligence.
Consumer complaint received 2023-05-08
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OR)

I bought a Vanilla Visa Gift Card on XX/XX/23. I activated my card an hour later. I was unable to use it anywhere online. I call Vanilla, they say give it 24 hours. I did. It still does not work. I called again and they said they would send me a check. I call, no check has been sent. They have me send pictures of the card front and back, the envelope it came in, receipt and sub receipt. Today I call they want my ID or current bill. I send it. They say they haven't gotten it. I have filed claims with them and XXXX where I bought the card. They lied to XXXX and said I tried to make reoccurring payments. I did not! I tried to pay a bill online, I tried buying on XXXX etc. and everyplace I tried to used the card it was declined! It also can't be used at restaurants, gas stations, hair salons, and the list goes on. I keep getting the run around. I want my money back that I put on the card and what I paid for the card, it's useless.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am filing a complaint against Portfolio Recovery regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : XX/XX/2019 : The collection account was opened by Portfolio Recovery. 
Nature of Contact : Portfolio Recovery initiated contact regarding the collection of the debt. 
Frequency of Contact : Portfolio Recovery has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from Portfolio Recovery on a daily basis, sometimes as frequently as 3 times per day. 

Calls at Unreasonable Hours : Portfolio Recovery has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, Portfolio Recovery has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
Portfolio Recovery 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from Portfolio Recovery have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and XXXX. 

Abusive Language : During communication attempts, Portfolio Recovery agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : Portfolio Recovery has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.