davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (CO)

I did not receive a single notice about a debt that is attempted to be collected, was served legal papers suing me without notice, and is charging me more than what I owe and tacking on legal fees. Yes I messed up and take full responsibility for my failure. Now I get a court summons and have to figure this out as I go. Also I just learned they can not contact you at work and they called my work phone and harassed me at my job demanding I speak with them about my debt even though I stated this is my work number and I was at work.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I opened an account with Capital on on XX/XX/XXXX as of today XX/XX/XXXX I have not received my debit card due to an error on their part. I was fine with this situation initially. I was using XXXX and online banking as needed to transfer money to my XXXX  XXXX XXXX account and back to pay for bills etc. today Capital One decided after I transferred my remaining balance into my checking account with them that they would lock out my XXXX access and Online Banking access. Essentially leaving my money in accessible my only option according to them is a transfer which according to them will take 3-5 businesses days. This defies common sense. It is their fault I am having to do everything through online banking to begin with because they didnt mail my card in a reasonable time frame so now I am expected to pay what will Amount to XXXX  of dollars in late fees between all my bills because they chose to lock access to my account arbitrarily because of too many logins it is their own system that requires so many logins its not like I like typing my password 30 times a day. This is a ridiculous policy which apparently they will implement but not a single employee within capital one has the ability to override even though the agree it is ridiculous. They you throw in the idea that they will gladly accept a wire transfer but my account is too new to allow a wire transfer to go out. Absolutely outrageous.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was sent a mail letter to my house address in XX/XX/XXXX  of a new credit Card that was opened. I have never applied for a credit card for this company ( citizens banking ) nor have I ever opened any accounts at all with this company. Ive also received suspicious email on XX/XX/XXXX  about a phone number being changed on the account. I reported the problem to the company on XX/XX/XXXX  and they verified it was reported fraud. Theyve notice that there was a savings account opened along with a credit card that has been recently applied for. I need this account to be completely removed and reported.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC (AL)

I'm writing this complaint because I need help to work out a solution for Balance Credit to work with me on a cheaper payment plan. When I took this loan out, I had a full-time job and was able to afford the payment. But on XXXX XXXX I had to quit my job because of my health and not able to work anymore. However, I've been drawing my retirement pension since XX/XX/. Right now I'm only making {$890.00} a month and that is one monthly payment. I'm not very good at negotiating so I need to do this through this channel. I need them to lower my payment to {$150.00} a month. So far I have been making this payment and will continue to make this payment. The loan payment is currently set to XXXX, and right now I can't afford to pay that along with what monthly bills I have to pay plus the medicine that I need for my health issues.
Consumer complaint received 2023-11-29
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: JPMORGAN CHASE & CO. (PA)

I saw a hard inquiry on my credit report back in XXXX made by JPMCB on my XXXX and XXXX credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take 2-3 months for the inquiry to be removed by JPMCB, XXXX, and XXXX. I've recently removed the freeze from XXXX, XXXX, and XXXX. The changes haven't been made and it's been 5 months.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I reported to Chase Bank on XX/XX/27 some unauthorized charges on my account. Among them there are XXXX transactions for the same amount. I received a temporarily credit which today was reversed. Upon calling the bank they said the transactions are valid because the merchant said they are! I was not provided with any documentation, i have XXXX the name of the merchant and also i asked to escalate the claim. I was told that Chase is not actually investigating but they direct everything to XXXX. I need an advise on where can i take this any further
Consumer complaint received 2023-04-28
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. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. Please remove ASAP.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

My mortgage is with TD Bank since XX/XX/XXXX. I make mortgage payment s on time ; never late on a payment. The mortgage payment is $ XXXX/ month due as of the first of the month. I make a monthly payment of {$2200.00}. On XX/XX/XXXX ( business day of XX/XX/XXXX ), I went to TD bank branch located in XXXX XXXX XXXX XXXX, NJ, to make the mortgage payment due on XX/XX/XXXX. I told the teller that I need to pay my mortgage. Because TD Bank does not have a mortgage payment slip, I do have to complete one. The teller completed the transaction and gave me receipts which I can provide to you. I left the branch expecting everything is ok since I never had any issues paying mortgage in branches before. On XX/XX/XXXX, I went online to check my accounts and I noticed too much money in my overdraft protection account. I found out that the bank teller deposited the {$2200.00} in my overdraft protection account instead of the mortgage which surplused my overdraft protection account and made me late on the mortgage payment. I called the branch and spoke to a customer service representative who said she will contact the back office. I did follow up with the branch manager who assured me that she will take care of the issue and the mortgage payment will be posted to my mortgage account as of XX/XX/XXXX. On XX/XX/XXXX, the bank debited the {$2200.00} from the overdraft protection to credit my mortgage account. However the mortgage payment was posted XX/XX/XXXX instead of XX/XX/XXXX. I spoke with the branch customer service again to correct this error as I made the payment on XX/XX/XXXXand should be posted on that day. She said that I should not be upset about it because I get two weeks grace period anyway! I wasn't happy with her response and I asked to speak with her manager again. The branch manager claimed that she sent an email to the mortgage department to get this fixed. As of today, the mortgage is not posted on the date I made the payment and the branch manager is not getting back to me. I tried to contact the district manager, however, a branch employee refused to give me his/ her contact information.
Consumer complaint received 2017-12-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked.

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Nissan XXXX was totaled in accident on XX/XX/2022. Problems with XXXX claim adjusteXXXX that led to delay in them taking possession of vehicle. Nissan then claimed the vehicle in XXXX without any notification. We never stopped paying the loan for the vehicle. I finally got XXXX to step up on the claim at end of XXXX. Nissan received full payout shortly thereafter. 
In getting credit in XXXX, notated that vehicle marked on credit report as repossessed. I called Nissan and XXXX about this without much help. XXXX tried to intervene but Nissan wanted nothing to do with it. Multiple letters went to Nissan. Multiple disputed with credit bureaus but repossession still remains on credit. It devastated my credit and had hurt us financially. 
Nissan is continuing with the fraudulent claim that the Nissan XXXX was repossessed. They are standing by repossession. If this is true, they violated Maryland Law. If Nissan stands by the fact that it was repossessed, then it was wrongfully repossessed and in violation of Maryland law. According to MD Code XXXX. Repossession. Per that sections a Notice of intent to repossess must be sent at least 10 days before a credit grantor repossesses any tangible personal property, the credit grantor may serve a written notice on the consumer borrower of the intention to repossess the tangible personal property. No such notice was delivered to my address. I received no notice of redemption. Nissan never discussed or sent any documentation. I want this wrongful information removed from my credit report.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I am filing this complaint on Cashnet USA. My son has told them numerous times that my health has gone down and I'm unable to work anymore. The only income I'm receiving is my monthly pension pay. And yes, I get paid at the end of each month and only make {$890.00}. When I took the loan out, I had another full-time job that I was working while drawing my pension check. Since my health has gotten worse, I'm no longer able to work any full-time job. I'm not good at negotiating with the creditor and want all communication to go through this channel. Cashnet USA has reached out and is telling me they will settle with me if I make {$540.00} every two weeks. As you can see, I'm below the poverty level and can't afford that, not on XXXX a month. I need them to work out a realistic monthly payment with me. I really need it to be {$50.00} a month as I have to spend my money on medical.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX is reporting a date of first deliquescency as XX/XX/XXXX but is also reporting the same date as paid. Factually it can't be both and they refuse to fix it. They have verified the inaccurate information over and over. I have contacted the creditor and they said EQUIFAX is reporting the information wrong.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (TX)

From XX/XX/XXXX until current day of XX/XX/XXXX I have not been able to make a payment to XXXX Serviced by Loancare. 

My mortgage payment of XXXX can not be processed due to the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX XXXX out of commission. Multiple calls to their toll free number at ( XXXX ) XXXX have given a recording that reps are are not able to access account information. In addition to no access to account information the chat bot for the site states the following " LoanCares systems are temporarily offline. Due to this, the servicing systems are currently unavailable and the customer service center is temporarily closed. We apologize for any frustration or inconvenience this may cause. We encourage you to try back another day. Thank you for your patience. '' We are needing to make out mortgage payment and also have delayed the closing on the sale of our home due to this. 

No contact, no email regarding a breach or estimated restoral of services, and I have gotten emails form this company to apply for a new mortgage loan.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  XXXX of inquiry : XXXX XXXX  Date of inquiry : XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$790.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : XXXX ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$590.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX BalanceOwed : {$1700.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (TX)

i sent certified letters to experian, transunion, and XXXX, stating that they are specifically in violation of federal law 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a. they have not responded in the appropriate time and this matter is affecting my daily being
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (SC)

15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-07-17
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. (FL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

started in XXXX. I spoke to XXXX XXXX about buying some books so I can train cdl students. I was asked a million questions about me and where I worked and lived. I told them everything truthfully. I went forward on purchasing books, we agreed on a price, I gave them my cc information and then I got a statement from my credit card which did not match what my emails said I would be charged and it was a lot over the amount. I disputed it with my cc company and won. they told me to not contact this company about this it was handled. I heard from a guy in their office later. he said he would send me to collections. he obviously couldn't, now he is harassing my workplace saying that they owe the bill for the books. they made up a collections paper with he city of XXXX XXXX as the debtor. I never said I was purchasing for the city, I never told them it had anything to do with my place of employment. this is a very unethical business. I wrote them a cease and desist letter with the help of a friend that is an attorney and was told to immediately contact you about this and file a complaint. thats what I am doing.
Consumer complaint received 2023-07-17
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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