davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

I purchased a vehicle with Us Auto Sales back in XXXX of XXXX. During that time i was making timely payments on my vehicle on the days that we agreed i would make my payments on. I was never late or never got behind with any of my payments. In XXXX of XXXX  i found out Us Auto Sales abruptly closed without letting me know they were shutting down. In XXXX of XXXX  i found out debt collector, Westlake Portfolio Management, said they were taking over for Us Auto Sales. I did my research and Westlake is not my lien holder for my car because it still states Us Auto Sales is still my current lien holder for my vehicle. XX/XX/XXXX of XXXX, i woke up in the morning to find my car gone. Westlake put an order out for my car to be repo without any notice to me or anything, but my car is gone. When speaking to Westlake i asked if they had any type of contract i had with them, but they cant produce a contract because I never signed a contract with Westlake Portfolio Management. Even now speaking with Westlake going forward trying to find the vehicle because i have personal items i need to get out the car, they keep giving me the run around on where the car is located and that is against the law. Both Us Auto Sales and Westlake are scamming and illegally taking folks cars because Us Auto Sales technically didnt have a selling license in the state of Georgia since XXXX  and for them to still be able to sell cars all these years after is basically wrong.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

These debt collector 's Pyold LLC and resurgent receivable LLC, have violated my rights. They have reported this alleged debt to my consumer report after i received the second letter in XX/XX/2022. I have put them 2 times on notice that this debt wasnt mine. They willfully and knowingly report false misleading information. 
It is a furnishers responsibility to report accurate information about a consumer. It is prohibited by law to report inaccurate information to the consumer reporting agencies about a consumer after receiving a notice that the information is wrong. Violation. 

You should know Im building my case if you fail to delete this debt.

These debt collectors have harm my family Defamation of character Negligent non compliance Civil liability XXXX  anguish Enclosed I have put proof of my letter to the debt collectors Tracking number and Credit report
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

I deposited XXXX $ into ATM number XXXX on XX/XX/2023 at XXXX XXXX. The atm malfunctioned, took the XXXX $ and spit back out my debit card with a receipt stating, We are unable to process your transaction due to a technical problem. If your items were not returned to you, please visit your nearest regions branch. They gave me a provisional credit of the XXXX $ the next day, stating they would investigate the claim. The sent me a letter in the mail stating that the ATM was counted and the balance was correct, basically telling me that I didnt deposit any money, and that they didnt believe me. So the XXXX $ was taken back out of my account. I have tried numerous times to see the atm footage, but they refused to show me anything. At this point regions is basically stealing XXXX $ from me. I have a long history with them of large cash deposits. Now I am worried I wont ever get the $ back, and they have done nothing to help me.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

In XXXX, I completed disputes with XXXX and XXXX to resolve incorrect reporting of my Dept of Education/Nelnet accounts that were opened on XX/XX/XXXX with balances in the amount of {$33000.00} and {$27000.00} respectively. These loans were originated as a federal student loan consolidation with an origination date of XX/XX/XXXX and final payoff and closing date of XX/XX/XXXX as documented with the Department of Education. A copy of the loan documentation sourced from the Department of Education is attached herein. 

Currently, both the XXXX and XXXX reporting of these accounts are inaccurate. Both CRAs continue to falsely report that these accounts were opened on XX/XX/XXXX and closed on XX/XX/XXXX, triggering a false reporting that the accounts were only open for a total of 7 months. Further, additional information fields continue to report incomplete or inaccurate information. A copy of the account reporting issued by XXXX and XXXX is attached herein with all incorrect fields requiring updating highlighted in yellow. 

After completing a series of disputes to correct this information, the dispute results issued by both CRAs falsely confirmed that the information was verified with the furnisher as correct. A copy of XXXX 's dispute results as of XX/XX/XXXX is attached to this complaint. XXXX also received a dispute for this account however results were not made available to me as the site continues to block, restrict, and prevent access to my disputes. Attached is a copy of the error messages and screen messages I received when attempting to access my dispute results for these loans. 

This complaint is being filed to request prompt correct of the inaccuracies currently being reported, including updating the payment history, loan close date to XX/XX/XXXX as documented by the Department of Education, and the other accuracies as indicated in the attached
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (MD)

The following inquiries are on my credit reports and I didn't give permission for my credit to be ran : 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 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 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 2023-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MO)

I had a friend send me some money on Venmo, and when I tried to transfer the funds to my account I had an error about verifying my phone number, It seemed strange because I had already done it and when I tried to re verify it told me this account number is already verified Now it wont let me access the account whatsoever and customer support is just sending me the same email saying to check security settings, but I cant even access the account anymore. 

I have XXXX XXXX  in the account that I desperately need and I also realized that this is a nationwide issue. I needed that money weeks ago and it caused an insane amount of problems that Ive had to deal with since.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I submitted an application for a business line of credit with XXXX XXXX. However, the approval process was temporarily suspended due to the presence of an outstanding judgment dated XX/XX/XXXX. It is essential to note that my business was officially incorporated on XX/XX/XXXX, and subsequently granted an XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. XXXX XXXX has been duly furnished with the aforementioned documentary evidence. 

Regrettably, despite the incontrovertible evidence presented, XXXX XXXX has expressed reluctance in acknowledging the evident reporting inaccuracy. I have communicated to XXXX XXXX the implausibility of a five-year charge on my business account, given the company 's recent establishment, spanning only a few months. 

In response, XXXX XXXX advised me to initiate contact with Equifax Small Business Solutions, the credit reporting agency involved. However, my interactions with Equifax have been marked by a notable reluctance to provide meaningful assistance. Rather than effectively addressing the underlying issue, I have been subjected to a protracted and fragmented procedure, deviating from the expeditious resolution of the matter at hand. 

In light of the aforementioned circumstances, I wish to express my serious concerns regarding the handling of this matter by both XXXX XXXX and Equifax Small Business Solutions. I seek a prompt and equitable resolution to rectify this credit reporting inaccuracy, which has adverse implications for my business.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (LA)

I filed disputes on several different dates for XXXX XXXX, Flagship, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (IL)

These bureaus are falsely reporting alleged debt which is a FDCPA Section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.
Consumer complaint received 2023-09-07
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)

These bureaus are falsely reporting alleged debt which is a FDCPA Section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

This is continues to happen every month for the past 6 plus months. I put a stop payment for Virtual Funds and the funds still came out of my account for {$47.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Please update the balances on these accounts as they have all been paid in full. 

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 2023-05-15
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. (FL)

XXXX XXXX XXXX still remains on my reports after being reported as a fraudulent account. XX/XX/2021 I filed an Identity Theft Report indicating this account was not mine. 

The Credit reporting bureau should remove any account reported to be fraudulent when an ID theft report has been filed in accordance with The Fair Debt Collection Practice Act. 

My ID theft report filed in XX/XX/2021 is hereby attached to this complaint.
Consumer complaint received 2023-09-06
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. (FL)

These are unauthorized inquiries. 
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 2023-09-06
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. (FL)

These are unauthorized inquiries. 
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 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-12
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (FL)

The unverified items below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern : I am writing to lodge a complaint against CapitalOne Credit Card Services.  I have been repeatedly denied a higher credit limit over the eleven year period that I have been a customer of CapitalOne. As of the date of this my credit score is XXXX. I allege that CapitalOne is employing unfair business practices and a bias application model to arrive at credit decisions. This is supported by the fact that I have been a customer of theirs, and their predecessor, Orchard Credit Card, for eleven years. In that time I have been granted only one increase of {$100.00} to {$400.00}, then to a total available balance of {$3500.00}. Since my credit limit increased by a total of {$3100.00} when I was not using their credit card, then it stands to reason that they should grant an increase when I have been using my credit card more frequently. However, their decision states that I am not eligible for a credit increase due to Recent use of this account 's existing credit line has been too low. This is an arbitrary, prejudicial and contradictory statement, since I was granted a credit limit increase when I was not using this credit card, or when I used it with very little frequency.
Consumer complaint received 2020-03-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AL)

XXXX has filed for bankruptcy and sold the mortgage to NewRez. 

NewRez has in turn sent a full page of fees that I never agreed to when I took the loan, including an extra {$3000.00} to pay off the loan in full. 

One of the reasons XXXX declared bankruptcy is that the government received so many complaints about them having made so many exploitative fees. While NewRez 's website for payments is in fact better, their fee structure looks much like XXXX 's before XXXX was hit with so many complaints and had to deal with the government. 

I seek relief from the government from these new and exploitative fees. I did not agree to them and NewRez should offer an alternative of allowing me out of the loan and home ownership if they want to modify the agreement.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

XXXX   XXXX   XXXX   in  XXXX , GA located at  XXXX   XXXX   XXXX   XXXX , GA  XXXX  placed a debt collection on my credit report without my knowing. All payments were up to date contingent my roommate and I moving from the property in  XXXX  of  2015 . The Apartment complex nor the collection Agency has contacted me in the time since then concerning the situation, I was not aware until I pulled my credit report recently. I have tried to reach out to   XXXX   XXXX   numerous times and have not been properly assisted, when I finally was able to have customer service I was told that they are under new management from the time of my stay, and the property could not help me.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Someone hacked my CashApp account from an XXXX in XXXX I own an XXXX and live in FL and have not been in XXXX The person contacted Chase, reversed some payments ( XXXX, XXXX... etc. ), and forwarded those balances to another person through my XXXX. I reported the incident to Chase after being contacted by XXXX that my balance was past due. Chase denied my fraud claim ; I then filed a claim with XXXX, which was also denied. Chase has now reversed the temporary credit and my checking account is overdrawn by almost $ XXXX. This is egregious and Chase stated they thought I perpetrated the fraud but did not hesitate to reissue an ATM card to me overnight, which could have caused further loss; please help.
Consumer complaint received 2023-09-06
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. (TX)

I'm writing to formally dispute the veracity of a few facts in the credit report your office recently provided. I have carefully examined this report, and I've found a number of mistakes and inaccuracies that could harm my credit reputation. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 608 and 611, which give me the right to ask for a thorough investigation to confirm the accuracy of the data in my credit report. The FCRA requires a thorough investigation into the disputed items, so I formally request that it be done by your office.

I respectfully request a written acknowledgement of this dispute letter and regular updates on the progress of the ongoing investigation, to be given within the legally required thirty-day window, in accordance with FCRA guidelines . In accordance with section 611 of the FCRA, I also anticipate getting a free copy of the updated credit report that clearly outlines any changes made.

I fervently hope that this matter will be handled with the utmost seriousness and that the investigation will be carried out in an objective and thorough manner, strictly adhering to the rules established by the Federal Trade Commission ( FTC ) for protecting consumer rights.

I want to thank you for taking the time to look into this urgent matter, and I have faith that the disputed items will be quickly resolved in a way that preserves the accuracy and integrity of my credit report.