davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

This email has been forwarded to you after we received a decline letter from Regions. We asked our local branch to send this email up the chain within Regions. Its been two weeks or longer and I can not pay my part of our Bills. 

Notice the Duration of 1st call and the date in attachment 1 Attachment 2 - Screenshot of the dash on my car and the number that called me.

Attachment 3- What showed up on my phone and why I answered it and thought it was legit Attachment 4- Notice date and the two charges that I absolutely did not make!

Attachment 5- Notice at the top it's the same time during this call the Regions Rep prompted me to open this attachment. Telling me to press yes, I told them three times I did not feel comfortable doing this. She assured me this was the only way to get the pending funds back into my account. So I did. Then told her it was against my better judgment though. 

I'm a hard-working woman holding down two jobs to make ends meet. We expect our Bank to have good enough security to keep hackers from getting so much of my banking information that they covered in the first 2 minutes to convince me it was Regions. I mean recent charges, everything. In the past year my husband has had to change his debit card twice and myself three times because our cards became compromised. 

I need my funds put back in my checking account. Please help.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

Hello to whom it may concern, Im not liable for this debt with Midland Credit Management. I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (FL)

LVNV has violated Federal laws concerning the use of private information. LVNV is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting LVNV to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If LVNV isn't able to provide said items, negative accounts must be removed immediately. 

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify alleged debt LVNV you are interfering with commerce and this is a Federal Crime.
Consumer complaint received 2023-03-08
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2020-06-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United PanAm Financial Corp. (KS)

They had the police show up at my house while I was at work and it was at least 6 officers just trying to give me paperwork and was saying if I don't get the paperwork I could be taken to jail for the amount owed
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (TX)

ON XXXX XXXX TOLD ME THEY WILL NOT CONTACT ME ANY MORE TO MY PHONE NUMBER XXXX. UNFORTUNATELY, ON XXXX CREDIT MANAGEMENT SENT ME XXXX ILLEGAL AND UNWANTED TEXT MESSAGES TO MY PHONE NUMBER FROM THEIR PHONE NUMBER XXXX. I HAVE ALREADY TOLD THEM TO STOP CONTACTING ME BUT THEY CONTINUE TO CONTACT ME WITH THEIR ATDS. THE TEXT MESSAGES I RECEIVED FROM THEM WERE NOT SENT BY A HUMAN BEING BUT AN COMPUTER PROGRAM THAT STORES MY PHONE NUMBER AND SENDS OUT MESSAGES AUTOMATICALLY.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (KS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-17
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. (CA)

When I reviewed my Credit Report there are still erroneous accounts that are included in my file. I sent a complaint earlier this year specifically on XX/XX/2023, to dispute these accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$18000.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Name : XXXX XXXX Bank : Capital one Account number XXXX Car. XXXX XXXX XXXX I am making my monthly payments and they keep saying my account is past due. 

I am making my monthly payments and they said my account has been assigned for repossession. 

On the first day I drove the car off the lot after financing, I logged into capital one app and it instantly says I owe XXXX . 

I just financed the car afresh and I am not supposed to have a huge outstanding balance like that. 

I told them to roll it over to the bill because it was already there when I financed the car and they refused and kept harassing me about it everyday. I put down a XXXX $ Car and XXXX $ cash when I was financing the car, I wasn't supposed to have another XXXX $ due instantly on the account. 

Capital one basically calls and spams my phone everyday, even though I am making my monthly payments. This should be unacceptable. 

There was covid and I defaulted. I called them when I was ready and asked what do I need to do to avoid repo and they said pay so so so amount and I payed it. Then instead of me to go back to my normal XXXX dollar a month, they kept harassing me about the XXXX $ that was due on the account on the first day I picked up the car. 

I am paying my monthly bills and they keep spamming my phone and emailing me and threatening me everyday about repossession. This kind of practices should not be allowed in the modern world. 

Right now I am paying my monthly and they said my account has been assigned for repossession. 

How can you assign my account for repossession when I am making my monthly payments? 

Please email capital one and tell them to roll over any outstanding fees to the overall debt and stop harassing me everyday by email and phone. 

Please help me. 

Thank you
Consumer complaint received 2023-02-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

I had to move out of my apartment because of military XXXX AND work XXXX ( XXXX  ) during COVID. I used rent relief program to pay for my rent before I left. The rent relief payment went through and was cashed but I was still got charged and the bill was sent to collections without any notification. No mail, no email, no text message, no phone call. I checked my credit report and found bill in collections after I received email from Rent Relief that debt was paid. They promised to delete the collections from my account once I fixed their mess within 30 days and then all they were willing to do was report the debt paid to the collection agency. They refuse to remove the collections from my credit report. The attached documents are all the proof/email messages and receipt of payment made by Rent Relief.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I acquired my credit report and asked the credit bureaus to check and make sure everting was complete and accurate according tc 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is experian did not modify or removed anything. The date open is not correct, date last active is not correct one of my credit report, date of last payment is not correct on Experian reports Which is a violation. This is impacting me from moving forward to buying a car for my family. I attach my previous credit report and my new credit report to show how Experian violated my rights.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I contacted the credit bureau Experian on XX/XX/23 by phone regarding an address that I never live there in my life. The representative told me they will not remove it at this time because I am disputing a creditor that associate the address in question XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I explained to the her, I have my license showing my accurate address. Also she can confirmed this with my mortgage thats on my credit report profile. How is this accurate reporting? 

Please can we do a proper investigation and fix this to reflect the proper information I currently have multiple disputes with all three credit agencies regarding this address I uploaded a photos to support my complaint My rights as a consumer are being violated under 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information
Consumer complaint received 2023-02-09
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. (NV)

m 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 XXXX XXXX XXXX  None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

My Nissan lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this Nissan account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted Nissan for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. Nissan is acknowledging that the account is closed but nothing is being done.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I have submitted disputes to Equifax over 7times already, XX/XX/XXXX, XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 
The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX. 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XX/XX/XXXX + XXXX XX/XX/XXXX + + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XX/XX/XXXX. XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-08
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: SYNCHRONY FINANCIAL (MD)

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 : XXXX XXXX. Account : XXXX. 

Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXX. Account : XXXX Account : XXXXXXXX XXXX Center. Account : XXXX Account : XXXX XXXX XXXX. Account : XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 A 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 conditions of crime 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 2023-10-31
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. (GA)

Hello, my name is XXXX XXXX, I am writing to you today regarding the account ( s ) below, these accounts are reporting inaccurately and therefore must be removed. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information requires you to do a thorough unbiased investigation on my behalf, the accounts are inaccurate, and therefore in violation of 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information- which states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I request that you look into these disputed things immediately and either remove or rectify them because they are untrue and negatively impact my creditworthiness. I expect a thorough and unbiased investigation into this matter. I'm ready to take legal action to defend my FCRA rights if you don't answer within the allotted time or don't carry out a reasonable investigation. I am also aware of my legal right to pursue damages in the event that you fail to comply. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-14
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. (LA)

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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX, the loan servicer XXXX XXXX created a new escrow analysis, stating that they anticipated the county tax disbursement for XX/XX/XXXX is {$9100.00}, and school tax disbursement for XX/XX/XXXX is {$5200.00}, based on XXXX XXXX county tax {$4400.00} and school tax {$5200.00}. Loan care 's escrow department mistakenly calculate the County tax for XXXX as a combination of XXXX XXXX XXXX tax and school tax. With addtion of school tax, XXXX XXXX created a shortage of {$1700.00} as of XX/XX/XXXX, then increased the escrow payment from {$1000.00} to {$1400.00} and another prorated shortage of {$140.00}, totalling a {$560.00} increase in escrow payment, despite of the county has not updated the XXXX 's assessed value or property bill yet. This is totally XXXX XXXX 's calculation mistake. As soon as I received the incorrect escrow analysis statement, I called XXXX XXXX  to correct, no actions was taken on XX/XX/XXXX. I then made 4~5 phone calls talking to different customer representative, they all told me the ticket is handling by the escrow department and soon will be update. As of XX/XX/XXXX, XXXX XXXX still does not want to cure this mistake and has been charging me the {$560.00} overage on escrow for XX/XX/XXXX and XX/XX/XXXX 's payment. My payment history is ALWAYS one time with XXXX XXXX, no late payment at all.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2023. 
I set up a XXXX Chase XXXX for a large purchase to pay over 6 months. I received a small bonus from my employer and want to pay it off early. There is no way to do it. You can not pay it off early without paying off the entire credit card balance. The terms said that the plan could be paid off early but was not clear that the only way to do so is to pay the entire credit card balance.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WA)

Attended a timeshare exit presentation. A Barclays RCI credit card account was opened and a charge of {$11000.00} posted on XX/XX/XXXX XXXX  by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. 
I send a certified letter to opt-out. 
I talked to XXXX XXXX, Customer Support for the processing center and she acknowledged the error and receipt of the opt-out letter. She then wanted to know if we wanted a check mailed or a credit back to the credit card. We responded by telling her to credit the credit card. She said she would do that but needed a document-sign form. She was to send this to us. We have not received the form. We have not received any further response or communication.