davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

To whom this may concern LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX which is a Debt Collection Agency is reporting an inaccurate date of first delinquency from the original creditor on my XXXX, XXXX, and XXXX credit reports. 

Thanks, XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-20
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)

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. 

XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. State 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 CONSENT.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, other than records of conviction 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have been trying to get all three credit agencies to remove both bankruptcies from agencies as they are inaccurately reporting. name is incorrect, dates are incorrect, person al details are all incorrect. 

I further contacted the Courts and they advised that they do not report to any agency. I contacted XXXX and they have refused update there information to reflect correct information by the court system. 

please assist me with getting these two bankruptcy reporting removed, or properly reported per the Fair Credit Reporting Act
Consumer complaint received 2023-09-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Love, Beal & Nixon, P.C. (OK)

I have a shared debt with my ex to XXXX XXXX XXXX XXXX XXXX. that was escalated to a debt collector ( Love Beal & Nixon ) in XXXX. 

First of all, I tried refinancing with XXXX XXXX XXXX and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car. 

Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with Love Beal & Nixon, the debt collector. 

I had been making automatic monthly payments of {$50.00} to Love Beal & Nixon since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with Love Beal & Nixon, and my payments to them stopped. The last payment was on XX/XX/XXXX. 

Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages. 

I called Love Beal & Nixon this morning at XXXX XXXX and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be Love Beal & Nixon 's concern anymore. 

I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

on XX/XX/2024 i transferred XXXX dollars to my savings account. the bank was closing the savings account because it was inactive. they have not returned the funds to my account, and im overdrafting with huge fees and have been told they cant help, i just have to wait for them to return it, w no timeline as to when that will be.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

XXXX, Equifax, and XXXX did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Fraud check cashed at a XXXX Bank - XX/XX/2023 in the amount of {$5000.00}. 

I asked XXXX bank to verify where the check was cashed and it was confirmed by XXXX it was cashed through them. The fraudulent check was from Citizen 's bank. 

The Citizen 's fraudulent department was notified and the dispute was denied twice. They denied the refund for the fraudulent check.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-22
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. (NY)

I have asked that the following collections agencies stop reporting to my credit report on XXXX, Equifax and XXXX under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  balance {$1400.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX  balance {$1900.00} XXXX XXXX  Original creditor : XXXX XXXX balance {$1400.00} XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX XXXX balance {$1000.00}
Consumer complaint received 2022-10-29
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. (NJ)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (FL)

XXXX inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX : XXXX. XXXX, 2023 equifax XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX : XXXX. XXXX, 2023
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I received my ordered credit card ending XXXX. Though I have been with Bank of America for 20 years they said I had to verify my identity in a banking office. I explained that I was traveling for work and if I could verify myself in an affiliate office, to which the agent said they were not sure. He directed me to some offices in XXXX and they said they could not verify me. I said I will make a stop in XXXX  on XX/XX/XXXX and they said that would be fine. In the meantime, a week before my flight, I received a letter saying the account was closed. I called the bank and they said they had closed it for fraud speaking with the fraud department I verified I indeed applied for the card and have it in my possession and already purchased the airline ticket to come to the XXXX, which they said as long as I went to the bank to verify myself I had 60 days and they will open the account again. This has not happened and several agents and managers have given me false information. I demand to be compensated for the flight, car rental, and hotel costs because I would have not gone to LA in the first place to verify myself if I'd been told the correct information. It also has caused mental and emotional stress from being told different things. I have recently spoken to XXXX who told me the fraud would be lifted and the card reactivated but XXXX XXXX in underwriting says they won't be able to do so until the fraud department lifts the flag, so yet another manager has lied to me.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION (TN)

My mortgage was transferred to a company called Regions Mortgage. The First payment to Regions was to be made in XXXX. I setup auto-pay through my bank ( XXXX XXXX  XXXX who i have used for several decades ). 
In late XXXX i received a notice from Regions Mortgage saying I had made no payments what-so-ever. 
XXXX XXXX  gave me the transaction ID 's for all the payments. They show the payments were deducted from my account. 
I contacted Regions Mortgage. They had no record of any payment. They took all payments during that call using my debit card. 
My XXXX XXXX account has shown 2x the number of payments I was supposed to make. 
Regions Mortgage credits only the number of payments they took during that call. 
I have sent them all the transactions via email. That was two weeks ago. They have not responded to my emails. They wont call. The last call was disconnected after being on hold for a very long time. 
I have dont nothing wrong, and yet my credit report reflects negative. Also, I was charged a late fee. None of this was my fault. I have over-paid my mortgage by a considerable amount and I very much not happy with Regions Mortgage ( a company I did not chose to do business with! ). 
I really need help fixing this. I don't have enough money to make 2x my normal mortgage payments right now. Times are tough, but when things get better I most certainly will continue making extra payments as I always have. 
Attached are screenshots from XXXXXXXX XXXX showing payments made to XXXX ( previous mortgager ) and Regions ( new mortgager ). Also, I've included a recent report by Regions. 


Thanks for any help you can provide XXXX XXXX XXXX XXXX, TN
Consumer complaint received 2023-11-22
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)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

Last year in XXXX I noticed some irregular charges that looked like my life insurance policy but were not. Upon further investigation we were able to identify that someone was siphoning money from my checking account using a XXXX. We were not able to recover more than two months of charges and the case has hit a road block. We were able to track the number back to a company that provides credit processing and it kind of ended there. 

In XXXX of XXXX began getting calls from XXXX  XXXX. They stated I owed money on account related to properties. I denied these charges and told them these were not my accounts and I had no knowledge of them. 

On XX/XX/XXXX, my XXXX XXXX XXXX began sending me alarms that there were major effects on my credit score. I was in XXXX at the time so I was not able to do much. On XX/XX/XXXX, I was able to start freezing my accounts and reporting the fraud to the credit bureaus, the two power companies and XXXX  XXXX. 

I was able to speak with a rep at reliant energy and was able to find out that 14 utility accounts were started with my personal information. XXXX of those accounts have already been sent to collections. I was able to contact XXXX XXXX  and they identified XXXX accounts in collections. Both of these power companies only service TX. I have been able to identify three property addresses where my information was used fraudulently. This information was sent to the police department and will be attached to the police report. 

Today I was called again by XXXX XXXX to report another account that was sent to collections. This one was from XXXX XXXX  for over $ XXXX. 

This makes a total of 4 accounts with XXXX XXXX  and XXXX accounts with XXXX XXXX. All of which will end up in collections effecting my credit score. My score in the last 2 weeks has dropped over XXXX points and getting worse as more collections are sent in. 

Last week we received a letter from XXXX XXXX our mortgage company that they identified a data leak in XXXX of last year. They letter takes no responsibilty and offers no help outside of contacting the credit companies. This is effecting my credit score, has potentially stolen thousands of dollars from my personal bank accounts and has racked up over XXXX hours of working time on this since XX/XX/XXXX. 

I am not sure what to do here but I am wondering if we have any legal right to sue XXXX XXXX for their inability to protect my information and the damages it has caused, further the complete lack of support from and issue they knew about back in XXXX of XXXX. 

Today I got the police report back and will be sending copies to the credit monitors, the XXXX power companies and XXXX XXXX 

My credit is frozen right now and I have to follow up with the credit monitors once I have sent the doc to their XXXX XXXX XXXX.
Consumer complaint received 2023-04-27
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. (LA)

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for inaccurately reporting information on my credit report, which has caused significant financial harm to me. 

Recently, I applied for a home loan, but my application was denied due to my credit score being lower than expected. Upon reviewing my credit report, I discovered several errors, including incorrect dates, amounts, addresses and phone numbers. I took it a step further and highlighted the mistakes for them but nothing.These errors have significantly impacted my credit score and cost me the opportunity to secure a home loan. 

I have made several attempts to dispute these inaccuracies with the credit reporting agencies, but to no avail. Despite providing evidence that these items were either paid off or never even occurred, the agencies have refused to correct their mistakes. 

As a responsible consumer, I have always made timely payments and maintained a good credit history. It is unacceptable that the carelessness of these credit reporting agencies has caused me undue financial hardship. 

Therefore, I am seeking your assistance in rectifying this situation. I request that XXXX, XXXX, and TransUnion thoroughly investigate and correct the inaccuracies on my credit report. Additionally, I urge the CFPB to hold these agencies accountable for their negligence and to take necessary measures to ensure that this does not happen to other consumers. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-17
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: LEXISNEXIS (VA)

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 2023-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I have contacted Experian to express that ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. Omit the following names as my TRUE name can be verified on my supporting identification.
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

The alleged debt is a fraudulent charge. The property management claims the apartment needed a cleaning, I submitted video evidence of the entire apartment cleaned thoroughly. 
The property management team charged my entire deposit to clean then and subsequently the remaining utilities were not covered. 
They owe me money. 

The debt collector lied after I submitted the evidence of the apartment being clean and said that I was not being charged for cleaning like is stated on the ledger sent by the property management, but for " sanitization '' which I never agreed to in my lease. 
They stated that even if the apartment was clean that I still have to pay for the sanitation. 

The charged is fraudulent and the debt collector has lied about what exactly I owe and why I owe.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (IL)

I completed a consult with XXXX  and in the process was coached into applying for a loan with this company - I do not think the second party company should be able to do that I also tried to cancel with the company and they refused I called the lender 12 hours later they told me no money had been released and they would close the account, told me they could not give me any confirmation by email as all communication has to be mailed I found out 2 days later they had paid laserway and that there was a lag in posting but nothing they could do about it I never received any official information from the lender about interest rates etc and am still in the dark waiting caught between 2 institutions