davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (MO)

I am disputing the validity of the charges and collections on my account that were submitted by XXXX XXXX XXXX. 
In XX/XX/XXXX, I approached the front management at XXXX XXXX XXXX apartment complex to inform them of my move-out. They advised that the move-out was permissible and I would only be responsible for rent until the apartment was filled. I paid rent for the month of XXXX ( XXXX ) ; and per the XXXX XXXX XXXX front oIice, the apartment was then filled on XX/XX/XXXX. 
Around XXXX of XXXX, I received a bill from XXXX XXXX XXXX that I owed an amount of {$10000.00}. I attempted to reach out to the XXXX XXXX XXXX XXXX multiple times via email and phone to dispute that these charges were not valid per the agreement with the XXXX XXXX XXXX apartment management. They were not receptive or responsive to these attempts at communication. I was finally able to speak with the XXXX XXXX XXXX leasing oIice in XXXX of XXXX, and they reached out to XXXX XXXX XXXX to confirm that the charges {$10000.00} were inaccurate. However, I received another bill from Rent Recovery Solutions shortly thereafter that my amount due was now {$1500.00}. 
I am disputing the validity of the charges from XXXX XXXX XXXX and XXXX XXXX XXXX due to their record of arbitrary charges and inability to provide documentation verifying amounts owed. I have made multiple attempts to reach XXXX XXXX XXXX, including both written letters and phone calls ; but I have not received any communication in return.
Consumer complaint received 2023-02-28
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. (FL)

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. 

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, XXXXXXXX XXXX XXXX : # XXXX & # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (OH)

I have a nonpayment of a mortgage loan for 3 months. This loan was made back in XXXX. It was assumed by someone in the process of selling the house. There is no other reports of this loan for years. I was told after contacting them, that the loan has not had a payment on it for 6 years. They did not contact me before adding this to my credit report. They just did it. I had to contact them to try to find out what is going on..it doesn't make sense, because we bought the house in XXXX, so why would there be a loan dated XXXX. I do not have paperwork since I throw away after 7 years. I believe the company 's name is Shellpoint.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was scammed out of concert tickets on XXXX with Chase Bank and they told me I would be able to get my money back 100 % then after I tried to buy the tickets i was scammed and told chase and they said it was a 0.00001 % chance of getting my money back. I Checked on my case with them and they closed it and said there was nohing they could do. It was XXXX $
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2023 - XXXX XXXX  account check from my employer was deposited to my Bank of America checking account, deposit receipt received stating partial funds would be available XX/XX/2023 and balance of deposit would be available XX/XX/2023 at XXXX. 
XX/XX/2023 - XXXX funds not available XX/XX/2023 - called and spoke with customer service representative at Bank of America who stated the hold on deposit had been extended to XX/XX/2023 at XXXX. 
XX/XX/2023 - approximately XXXX went back to the bank location where deposit was made and teller verified that hold had been extended and tried to give me a phone number to their " hold department '' and another bank employee whispered to her and then they just gave me the customer service line number which I already had now saying there was no " hold department ''. 
XX/XX/2023 - approximately XXXX I called the customer service line again and after a long hold time I was given the run around about deposit hold, told a computer put the hold, a bank of america employee could not override what the computer did. When asked to speak to someone who could actually help, I was told I was being transferred to the " hold department '' and then disconnected from the call. 
XX/XX/2023 - approximately XXXX I called the Bank of America customer service line again after checking my XXXX account online and seeing that the check actually cleared with them on XX/XX/2023. I received the same information from their representatives who said they are waiting on the check to be verified and funds received. I verified that it took less than 24 hours for Bank of America to request the funds from XXXX and for XXXX to clear the check. I was told that it can take up to 7 days for funds to be available in my account with no explanation as to why other than " they are waiting on the funds to clear ''. I will be closing my Bank of America account. They are not customer friendly and do not have competent people working there. If I could give a rating it would be ZERO stars. Bank of America has greatly tarnished my reputation with merchants and institutions I pay bills to by returning ACH checks unpaid because they are holding a deposit without reason.
Consumer complaint received 2023-06-16
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. (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. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-05-23
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: Thaxton Investment Corporation (MO)

Heights Finance continues to frivolously report to all major credit bureaus late payments in a blatant attempt to make my credit suffer although they have a judgement in court against me! They are reporting late payments although they have a attorney and judgement on me a {$5000.00} loan has turned into over {$12000.00} they are adding excessive interest knowing I am the " Head of Household '' and only required to pay 10 % a check pursuant to Mo law, and therefore will unfortunately never be able to pay it back! They refuse to help or be understanding of my " low income '' and being below federal poverty levels, they love to charge 50 % interest even though they have a judgement for that it is definitely highway robbery! Shame on Heights Financial for not being understanding and allowing me a payment arrangement without the 50 % interest I have to work as self employed as I unfortunately won't ever be able to pay them back with such high interest rates and plus reporting bad to credit is so unfair!
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I took a loan out with loanmart in XX/XX/2016 and put my vehicle up for collateral. I was late with a payment and they came and repossessed my car. The loan was for {$2500.00} and the XXXXXXXX XXXX XXXX was worth at least {$5500.00} XXXX XXXX XXXX After they took possession of my car they say I still owe them all of the loan. I have tried to reason with them and they are crooks. My current balance on my credit report from XXXX with Loanmart is {$22000.00}! I have tried to dispute it with XXXX but it hasn't changed, it is killing my credic score and has for a long time. I am at a loss, I don't believe I owe them anything loanmart came and got my car!
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I invested XXXX dollars between XX/XX/XXXX and XX/XX/XXXX I started investing shortly after. Then my account went under review from what they told me should have taken 7-10 days took closer to 3 months. They froze my money because they could not confirm the legitimacy of my money after I sent them bank statements showing that the card was mine they deactivated my account. Not only can I not call them they took majority of the money out of my account.
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Siggi LLC (MD)

Today, I got a message from my dad that XXXX XXXX, an employee at Omni Financial, was trying to contact me from an Alabama number today, XXXX XX/XX/2023. I call back at XXXX EST and reach her. She said she called my references because I was 23 days past due. I explained not to do that because my father is XXXX and will worry. And also explained that I am going through a hardship but will pay on the XXXX. She states that the company had been directed to call several times and I told her thats against debt collection practices you cant even call 7 times in a 7 day period she starts cussing at me saying all types of curse words at me I yell at her back like what is happening I cant believe this?! She then hangs up on me. I call back to leave a message for her supervisor. This is unacceptable and unsatisfactory for buisness practice to treat members of the military or anyone for that matter hardship or not this way. It is unprofessional it is disgusting and I am not even 30 days past due as of today. Something needs to be done asap.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I requested a balance transfer from my Citizens XXXX XXXX on XX/XX/2023. Citizens does not warn/advise WHEN the promotional rate will expire. It's not online on my credit card account nor is it listed in my monthly statement. The only way to determine the expiration date is to call customer service. 
While the balance transfer process likely disclosed the expiration date when I requested it, I failed to make note of it at that time.
Consumer complaint received 2023-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I was the co-signer to a private student loan that my sister took. My sister is still enrolled in school yet FirstMark Services started charging her for payments. The main issue is that my sister- nor I as the co-signer- received no communication that payments were about to resume. I only found out about this because I had a credit card company reducing my available credit limit and I inquired about it. 
My sister has sent them an enrollment verification form but they are still unwilling to resolve this. 
All customer service agents are EXTREMELY RUDE and MEAN!!
Consumer complaint received 2023-08-15
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: SECURITY FINANCE CORP (OH)

THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I am writing to formally dispute the charge-off account listed on my credit report by your company. 

Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums, ie : email, text messages, phone calls, consumer reporting agency of any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( I ). Remove the charged off account from all consumer reporting agencies.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IN)

I have a card issued by amazon through chase XXXX. 
Amazon had a breach in XX/XX/2016 and my account was included. about XXXX orders were issued at the same time and I instantly called amazon to tell them to stop it since i did not order anything. 
I was told by customer service that those orders will not come to me. 
Although some kept showing shipped, there is no shipping confirmation. The 3 orders that came here were returned. 
Three boxes were left outside my door and I tried everything to have them picked by amazon to no avail. I do not need these. 
I have attached some of the email exchanges since the old account was closed and a new card issued. 
After 4 months of trying to have the XXXX removed, chase came out with the conclusion that these orders are valid and I must pay back the amount. They are charging interest and this is getting out of hands. 
I file this complaint to have this issue resolved since neither amazon nor chase is willing to clear the account.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS (MI)

Good day hoping you are well. 

I am a XXXX individual who attempted to access his accuity and consumer reports from LexisNexis Risk Solutions. I contacted them several times about this issue, but without resolution. The agents were decently professional, but said they can not change their polocies, suggesting I call back, even though nothing is likely to improve. 

I am XXXX and can not read printed, mailled material ; I can, however, read electronic material. After some calls and attempts to leave feedback, the agency states it can not send me copies of my information in an accessible format, even though it apparently has an electronic way for consumers to access their information. ( It was not fully explained, but seems still to require a printed mailled letter. ) As such, this is innacccessible under the ADA and the Fair Credit Reporting Act, under which I sought to request my information. Similar financial instutions have accessible alternatives ; XXXX states it does not. I do not believe I am the only XXXX customer who was refused accessible access to his information. Note that the Social Security Administration used my information, which I attempted to access, in making a determination ; as such, I should be able to access information relied upon by the Federal Government in an accessible manner, especially when that administration affirms my ability to do so. 

I attached copies of written corespondences, as well as the SSA notice I received to contact the Company for my report. It does not seem to have a listed physical address ( see links below ). 

Home - LexisNexis Risk Solutions Consumer Disclosure https : //consumer.risk.lexisnexis.com/consumer? gclid=Cj0KCQjw5f2lBhCkARIsAHeTvlhoq7v99SmvpQGVBs97nCfvigBTYlszcjSocaxQ-RjK4-yJvMPt03oaAnhREALw_wcB Help - LexisNexis Risk Solutions Consumer Disclosure https : //consumer.risk.lexisnexis.com/help Please do not hesitate to reach out with questions. 
Sincerely, XXXX
Consumer complaint received 2023-07-10
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK (NY)

On XXXX XXXX at XXXX I woke up to my account being revoked with no explanation or response from Discover Bank . I contacted customer support about this issue and was transferred to several different departments who were confused on how to handle this issue and kept being transferred from department to department. Finally I was sent to the right place where I was told that my full account was revoked over me not submitting a notoriety. I was unaware that I had to complete this since my account had been working fine. I was never reminded about this or notified that this was still a requirement on my account. I was then told to resubmit an application but immediately was not approved. I am dissatisfied and disappointed with my experience with Discover because I have paid all my bills on time and chose to start my first student account with them. Now I have to dispute this on my credit score due to miscommunication.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (NY)

XXXX, XXXX, and Experian violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.
Consumer complaint received 2023-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

LVNV funding LLC continue to be persistent in trying to obtain financing from me for a debt they bought and is unable to verify per the requirements of the FDCRA. I have written LVNV Funding LLC to cease and desist all communication and they refuse to honor my request.