davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NV)

I am a victim of fraud on my Target Red Card and their fraud department continues to harass me about filing out an affidavit that asks way too many personal questions. They refuse to assist me without it and have hung up on me multiple times. I would like someone from corporate to call me back.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/19 I received an email from American Express stating that your account had been permanently suspended, that the account has been locked. So I called American Express to find out whats going on, they told me there was suspicious activity on my account and they locked my account, if there was any money on the card that it was gone. My husband just got paid through direct deposit and they closed the account and our money was gone. They sent me three more emails stating the same information and gave me an address to write to them these emails were received on XX/XX/XXXX.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-07
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. (ME)

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on my Equifax credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And one more thing according to 15 use 1681s-2 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.

Check the attachments below
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-07
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. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, Transunion continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Transunion have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and XXXX XXXX and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

sincerely, XXXX XXXX
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

I am currently in a chapter XXXX bankruptcy plan since XX/XX/XXXX. Lakeview Loan Servicing LLC is trying to take steps to foreclose on my primary residence. On XX/XX/XXXX, they filed a motion for relief from the automatic stay in bankruptcy court showing that I was 120 days past due and owed {$5700.00}. We have provided them evidence and proof of payments showing that I was less than 90 days past due and only owed {$4200.00} as of XX/XX/XXXX. We have also sent them proof that as of XX/XX/XXXX, I have brought my account current and am no longer past due. However, due to issues with their accounting systems, they continue to show that I am past due and continue to pursue the motion for relief so they can foreclose on my home. In my opinion, they intentionally mislead the bankruptcy court by submitting the motion for relief by showing that I was 120 days past due when I was not as the regulations set by the Consumer Financial Protection Bureau ( CFPB ) state that foreclosure proceedings should not begin until the consumer is 120 days or more past due. The CFPB also regulates how mortgage servicers use the suspense account. Lakeview Loan Servicing LLC is also abusing the use of the suspense account. The only time a payment is to be placed in the suspense account is if an underpayment is sent or overpayment is sent. However, ever since I have filed bankruptcy, according to the account ledger that the mortgage servicer sent us, every single payment that I have made, even if it was the exact dollar amount of my monthly payment, was placed in the suspense account instead of immediately being applied to my balance due. Furthermore, even when partial payments were sent and when there was enough funds in the suspense account to equal a full months payments, the funds were not immediately applied to my balance as the CFPB regulations require and were held in the suspense account for a extended period of time. 

Furthermore, while in bankruptcy, Lakeview Loan Servicing LLC increased my monthly payment without any notification to me, my lawyer, or to the bankruptcy trustee. That is a violation of bankruptcy laws as bankruptcy rule 3002.1 requires the mortgage servicer to provide at least 21 days notice to the consumer, their lawyer, and to the bankruptcy trustee regarding the increase in payment and the cause for the increase in payment. This notice was not provided by Lakeview Loan Servicing LLC and as of yet, they have not provided an explanation as to why they failed to provide this notice.
Consumer complaint received 2019-05-01
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. (CA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.
Consumer complaint received 2019-05-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Hi, My tax refund money ( Federal Refund {$10000.00} & CA Refund {$4800.00} ) was sent and deposited into the wrong account. 
Please investigate and reverse the deposit.
Consumer complaint received 2019-04-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio America Asset Management, LLC (CA)

XXXX XXXX and a recovery agent from XXXX New York ( XXXX ) XXXX have called my daughters telephone asking questions about me. They have also peppered my girlfriend with questions. Both are illegal. They called my girlfriend this morning. Shes not in default or collections. They have no reason to contact either of them
Consumer complaint received 2023-03-18
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. (AL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-01
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)

I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$9200.00} XX/XX/XXXX {$30000.00} XX/XX/XXXX{$440.00} XX/XX/XXXX {$1000.00}
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you in regard to the fraudulent accounts listed on my credit report. Upon reviewing my credit report, I was shocked to discover the presence of these unauthorized accounts, which have undoubtedly tarnished my creditworthiness and compromised my financial integrity. XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (MI)

i reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/2024, and XX/XX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2019-05-01
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. (CA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-01
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. (OK)

I am writing to inform you about an error I noticed on my TransUnion credit report. 

DATE OF ITEM DISPUTED : ( XX/XX/2019 ) NAME OF FURNISHER : XXXX XXXX XXXX DESCRIPTION OF DISPUTE : Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose., I am writing to inquire as to their alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX XXXX or any of their properties In an attempt to collect a disputed debt XXXX XXXX introduced false information into my credit report.
Consumer complaint received 2024-03-07
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. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2019-05-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

I received a call XX/XX/XXXX from an unidentified person and the pronunciation on the company he was representing was unclear. The number for this company was XXXX ( XXXX ) XXXX-XXXX. The over simplified message on the answering machine was that I had two days to reply or they were taking me to court over a Cash Central loan from XXXX. I called them back the next day on XX/XX/XXXX and the gentleman that called from that number above claimed he was going to call my place of employment, they were going to file criminal charges for fraud due to the check being bad from XX/XX/XXXXand they were going to take me to court costing an excess of {$1000.00} in court fees if I didn't resolve this. I exclaimed that I recently paid this same debt from a different collection agency and I refuse to pay this again. I told him the name of the company, the reference number, the phone number and who I spoke with. He replied " okay, I will mark this as taken care of ''. Roughly 10 minutes pass and he calls again claiming he needs a letter of confirmation from the other company stating that I paid this and that he will be sending an email right after we speak. No email came. I called the next day and told him to figure it out and i'm not filling out his email information and that he has all the information he needs on where and whom I paid and to do the leg work himself, I also said take me to court if you want, how you used fear-mongering tactics is a complete violation of the Wisconsin State statues for collecting any debt, especially one I had already paid. I hung up. XX/XX/XXXX I receive an Email from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX-XXXX Ext. XXXX claiming I owe this same debt that was claimed I owed from the other number above. I sent an email of a confirmation letter that I received from the company I paid for this debt. The company I paid is XXXX XXXX XXXX  ( XXXX ) XXXX-XXXX  and the gentleman 's name that handled the debt was XXXX XXXX. Reference number for this case is XXXX. I also stated that I was contacting the XXXX but unfortunately none of the businesses in the email were on the XXXX. I sent the third and final email belittling the subject line grammar in the email and correcting it. " Also XXXX, from now on you should use spell check. Its confirmation not conformation you XXXX XXXX XXXX. I felt like disclosing every conversation for transparency reasons. 
Companies that are on this email are XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a Capital One Bank credit card opened in XX/XX/2016 thas has been marked charged-off with an original charge-off of {$710.00}. This account was manage by XXXX XXXX XXXX out of California, the company settle my account with Capital One and base on what they told me the account was paid per that agreement.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you regarding the late payment ( s ) that appear on my credit report for the account XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I noticed that there are late payment entries for XX/XX/XXXX and XX/XX/XXXX. I am writing to request the removal of these late payments from my credit history.