davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC (CA)

When applying for the loan, on XX/XX/2023, I was told the funds would be deposited into my bank account on the following business day. I asked it that would be XX/XX/2023 and I was told yes, the funds would be in my bank account by the end of the day on Friday, XX/XX/2023. 

On Friday, XX/XX/2023, at XXXX, I called Lendumo and the automated recording said that the funds had already been deposited to my bank account. I checked my account and the funds were not there. I then spoke with a live representative and was told the funds would be deposited by Monday, XX/XX/2023. I told them thats not what I was told when I submitted my request for the loan and I would like to cancel my loan because waiting until XX/XX/2023 would not help me. They told me I have to wait until the money is deposited into my account before I can cancel the loan. I told them I would report them to the CFPB. 

They say that they record all calls, for quality assurance, so they can share the recorded conversations with you.
Consumer complaint received 2018-04-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX XXXX AND XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX stating there is no account reporting by them. But XXXX as confirmed there is and the collection agency that XXXX sold tthe account to is portfolio Recovery I want this company to take this account off my reports this is not ok i have filed claim with fair act credit reporting agency and attorney general because this account was fraud and i have told this to original credittor XXXX and portfolio recovery but they sent me documents that my account was closed and will be removed off my reports but yet iit has been on there. i want somone to look in to this XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

Despite Regulation D being lifted, XXXX XXXX through Webster Bank has charged me two savings excess withdrawal fees ( {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX ). The first one I tried removing after talking to them, where they claimed Regulation D was not in effect. As I did exceed 6 transactions, I did not push further. However, I was charged {$60.00} a second time for this past cycle. This time I did NOT exceed 6 withdrawals. While there were more than 6 transactions, these were microdeposits and withdrawals for external account verification which resulted in {$0.00} being taken out. Even if Regulation D was not in effect, these should not be counted ( and indeed I have never been charged such fees for microdeposits with other banks when Regulation D was in effect ). I believe I made only 4 real withdrawals which resulted in money being taken out and not being immediately returned.
Consumer complaint received 2020-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TAG Financial Services Inc. (GA)

I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. XXXX XXXX XXXX XXXX and TAG Financial is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used XXXX connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX. It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.
Consumer complaint received 2020-11-10
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. (GA)

Please validate this information with none and provide me with copies of any documents associated with this account bearing my signature in absence of any documents bearing my signature i formally requst it be removed 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 2020-11-09
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. (FL)

There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates (NV)

There is a dispute between the company I work for and another regarding services rendered. I saw emails last month back and forth and responded to one ( per my boss )  asking for receipts. I spoke to XXXX on the phone another time, explained that I did not know much about the dispute but would try to help by forwarding information. On XXXX, I received a call on my personal cell from XXXX XXXX, Debt collector at Hillcrest, Davidson & Assoc L.L.C. XXXX called first from my boss 's # ( XXXX spoofed his caller ID impersonating him with his phone number so I picked up the phone thinking it was my boss ). He started talking about me paying the debt and calling me names. I told him I am an employee of the company, don't make decisions regarding payment, asked how he got my # ( didn't know my last name ) & stated it is illegal to spoof a #. He said he is good at what he does and kept demanding payment. I told him not to call me back as I am a 3rd party and would report him. He immediately texted me from unknown # XXXX with the following texts I am attaching ( I am not sure if he spoofed that # as well ). He was extremely unprofessional and tried to intimidate me. Moreover, it was extremely disturbing that I am not the person/company he is collecting a debt from. 

Company info per the email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX Direct XXXX Office XXXX www.hillcrestdavidson.com
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (NV)

In 2016 my father suffered a XXXX XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (FL)

This is in reference to an alleged debt from XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX and FBCS , Inc XXXX XXXX XXXX XXXX XXXX to 15 USC 1692a , Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. 

Your company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. 

While going through my Consumer Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently lost my job on XXXX. I was also discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports Clear away any alleged balance owed Pay as per the attached invoice ; {$8000.00}. 

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.

Thank you for your attention to this matter,
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I am a natural person, I am a living human being, I have rights under the 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX ), XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-09
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. (NJ)

I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MO)

Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights
Consumer complaint received 2023-09-11
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: MONEY SOURCE, INC., THE (CA)

Im asking for a home ins policy declaration page for XX/XX/XXXXXXXX  to XX/XX/XXXX. 

You reported an escrow debt on my credit reports. You included a home ins policy in that debt publication. 


Prove it!!
Consumer complaint received 2020-11-09
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. (NJ)

I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My home burned andXXXX I recieved a large insurance payment in XXXX and XXXX. My debit card was replaced ( not by me ). This happened several times I reported it to Capital one. I reported my laptop to stolen and my debit card, I have a police report for this computer. I resolved several transactions that were fraud and e bank resolved them in XX/XX/XXXX But as more were noticed the bank has stopped calling me back and has closed my account as of XX/XX/XXXX. I called and tequested the last four digits of all my debit cards to resolve the fraudulent charges directly with the companies but can't even get a call back from the bank. I can't access it to review my statements. The changes are : {$1300.00} with an unknown company, {$2000.00} person to person transfer with XXXX, {$950.00} with XXXX listed as store # XXXX ... .. Many more, please help mediate to resolve Capital One ignoring me. I would like for the bank to simply answer my calls or forward the last four to each debit card and allow access to my statements as some show whether it was an online purchase as opposed to in store.
Consumer complaint received 2022-10-17
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. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-07-05
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 Section 602 A 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

In XX/XX/2022 I received a notification from the CHASE bank that my account XXXX with {$38000.00} was closed. I called the bank at that time and they told me I was going to receive by mail a check with the funds and that I had to wait a maximum of 90 days. So I waited, but nothing arrived. Calling the bank again in XXXX they told me that I had to go to the branch to give more information about two transactions I received in the account. 

On XX/XX/XXXX I went to the XXXX, Texas branch and sent by email the requested transaction receipts to the banker XXXX XXXX. He said he received the email ok and that he will send this information to the bank and that I had to call the bank again in 2 or 3 days. I called the bank on XX/XX/XXXX and they said they have not received any update until now. 

I urgently need my money back. 

Thank you. 
Kind regards,
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

COMENITY BANK/NY & CO stated that they would remove this negative account/information once paid in full. This account was paid in full in 2015. This debt is CURRENTLY being listed as CHARGED-OFF debt, when in fact it should state " PAID OFF '' debt.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is advertising a {$200.00} bonus for opening a checking account. On the website it says open account and coupon code automatically applied. The site also indicate that I should receive my bonus for opening an account within 10 days. I called Chase and asked where was the bonus and was told it if I didn't have a coupon code that it's too late to receive the bonus. I went inside a branch to talk to a representative and got the same result. I called customer service again and was told to create another account to receive the bonus. I knew that was incorrect so I asked to speak to a manager who was rude and condescending. The manager was not apologetic about me receiving the incorrect information. I think Chase is misleading consumers to sign up for an account and not give the bonus. I could have opened an account with XXXX XXXX, but I chose Chase because they used to have good customer service and wanted the bonus. I have documents to show the what information that the website is providing that proves I have been mislead. It clearly states the bonus coupon code will be automatically applied when opening an account online which I did.