davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Revenue Corporation (TX)

I checked my credit report in around XX/XX/year> and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX Billings, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX had placed a collection item on my credit report. I had never received any information from this company and was shocked to see this item on my report. Due to the fact that I have not received legal notice of this debt I sent the company a cease and desist contacting me via all forms due to the fact that they have failed to follow the law a direct violation of the FCRA and possibly a violation of FDCPA ; reasons why I am filing a complaint to have this company comply with the Federal and State Laws of Texas in regards to placing collection items on my credit report harming me negatively. This item has been negatively on my credit report. 
I sent a certified letter on XX/XX/year> to the address on my credit report to cease and desist contacting me and to remove this negative item off my report and that I have never received any form of communication from this company as prescribed by law of any debt. I called the company to have them validate this information per certified letter. I spoke to a representative by to get information on why they have not sent me the information, On XX/XX/year>, the company sent out XXXX letters to me, see attached and this is the first line of communication of any debt that I have received from XXXX XXXX. They sent these after I called to inquire about them removing any and all items from my credit report. I feel that this was a form of harassment to send me any letters in reference to a debt because they did not send them during the initial process before putting an item on my credit report and that I have not received a letter of validation of a debt and the information that I asked for within the prescribed 30 days that the law prescribes. I ahd never received a letter from them for the initial debt on my report until after they had put this informaiton on my report. 
I also found out that the original creditor had sent an item to them and it was not 1 year from the date the alleged debt was made. 

Due to the fact that they agent with this company stated that they are going to send this bill for suit and leave this on my report and they sent XXXX additional letters to me at XXXX time, some of which are time barred and they sent them to harass and annoy me, there by violating the FCRA and FDCPA. They also sent a bill that was not XXXX old as prescribed by Texas law XXXX a bill has to be over a year old before being sent to a collection agency. 
As of this XXXX day of XXXX, I still have not received the information that I requested. I asked the company if they received my letter and they lied and stated that they did not. Please see the attachments from the XXXX that this letter was received by an agent for XXXX XXXX.
Consumer complaint received 2022-10-05
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. (IL)

15 U.S. Code 1681c2 requires the consumer to send 4 documents. I sent to Equifax my Identification card ( drivers license ), ftc report, accounts that are fraud, and my personal statement. They are refusing to delete the items. They are falsely stating that those documents are not enough to delete the items. They are not doing their due diligence by being fair and equitable nor doing their grave responsibility. 

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Purchased house XX/XX/XXXX. Applied for XXXX exemption with tax office and was granted early XXXX (? ) for XXXX & XXXX. Paperwork filed with Lakeview LoanCare Mortgage and they notified us Id get a refund of more than {$5300.00} in XXXX. Each time we called ( 4 or 5 times with our tax office & mortgage co ) we get nowhere. I still have not received a check!
Consumer complaint received 2024-02-27
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: WELLS FARGO & COMPANY (CA)

I bought XXXX XXXXXXXX XXXX with extra attachments on Sunday XXXX XXXX, XXXX. 
I never opened the box and after they arrived I saw videos and reviews that said that people with thin hair have had their hair damaged after a year of use because of it, so I returned it and the tracking number for XXXX is XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX. I paid {$630.00}. When they recieved my return, I was only sent back {$65.00}. I called them and they said they will have to look at everything again, but that I would have to call them back in 10 days. I called my bank ( Wells Fargo ) and I sent them everything. They gave me the credit for it which is {$560.00} on XX/XX/XXXX. Then they charged back the credit of {$560.00} on XX/XX/XXXX. They said they never recieved anything from me.
Consumer complaint received 2024-02-28
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: BARCLAYS BANK DELAWARE (TX)

On late XXXX or XXXX I notices someone opened a Barclays credit card under my name! I immediately called the bank submitting a dispute and complain explaining that this card was opened fraudulently and that it was not mine. They said that I shouldnt be a problem, they were going to investigate and that resolution will be communicated to me. I never received this information and 3 days ago I see my credit report losing XXXX points and they reporting the card is delinquent etc. I called the bank and aparently they denied the dispute and say I am responsible of this debt and that the investigation was closed and they cant do anything. If I wanted to submit a dispute with you than do it but they had nothing else to do.
Consumer complaint received 2020-07-02
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX  is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site fifth third bank is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by XXXX  but account XXXX XXXX was not removed off my report and fifth third bank still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info XXXX  refused to remove account but a open account with fifth third with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with XXXX  and is abuse of my name and personal credit report
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (NC)

In XXXX of 2023, I had issues with my Skylight bank with fraudulent charges so I froze the account. When I tried to get a new card and gain access to my account again the bank would not allow me to say to prove my identity. I am XXXX  and currently experiencing XXXX  so I have been working with a case manager and a bank manager for counsel on this matter. I have tried calling Skylight Bank and was informed Netspend bought them, but my original account was through Skylight and I have not been sent any bank statements in the past few years. The last card number that I have for my account is XXXX. After multiple phone calls with the assistance of many people such as my case manager, the bank manager, and Services for the XXXX and XXXX of XXXX  there was no progress in accessing my account. I have over {$2000.00} saved in that account as my direct deposit from Social Security income had previously been deposited there. I even sent a letter to Net Spend with my previous card number, my current ID, my expired ID ( both copies signed and dated ), and information for transferring funds into my current account. The company sent my letter back and did not accept it as a form of identification. I then traveled to Florida in XXXX of 2023 to try to resolve the issue because that's where I originally opened my account but I had no luck there as well and was instructed to go to Texas. I do not think I should have had to travel out of state to access my funds. If needed I can provide documents that I have mailed through fax to process my complaint.
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Autovest, L.L.C. (MS)

I got a car from XXXX in XXXX. I had a co-signer who agreed to help pay on this vehicle. I was laid off from my job months later and the co-signee was no longer willing to help. I spoke with XXXX XXXX and told them that I needed to return the vehicle, because I could not afford to pay it. They sent a tow truck out to pick the vehicle up and I did not hear back from XXXX XXXX about this vehicle. I received a call from my job on XX/XX/XXXX, saying that I am getting garnished for XXXX dollars from Autovest LLC. My job provided me the number to call, because at the time, I had no idea what debt I owed to have a garnishment. The number was to XXXX XXXX. The lady stated they have had my case since XXXX. I asked her to provide me with the original contract that I signed, the information on the vehicle, a copy of a valid, legal and lawful contract signed by myself and a legal representative of their lawfirm, and all documents for this debt they state I owe. I have not heard back from them.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (AZ)

Electronics lien has not been released. I just received prior correspondence from the complaint filed for this same reason on XX/XX/XXXX advising I contact XXXX  and I have already. They have advised me the lien release request has to come from Ally and the paid letter and title they sent me will not be sufficient to have an electronic lien release. They advised in their correspondence they requested a paper lien in XX/XX/XXXX and requested the electronic lien be released but it was not. I have pulled up the XXXX on the XXXX website and the lien is still showing and the title is still untransferable. How can I sale the car without a clear title. The paper title means nothing to with the electronic lien still in place
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (CA)

Via XXXX XXXX, a general contractor advertising landscape improvement financing with zero interest rate, we secured from Wells Fargo XXXX XXXX a loan in the amount of {$35000.00}. The balance of the loan/credit card XXXX of {$17000.00} was due on XXXX XXXX, 2015. We did n't receive the statement for XXXX or any letter advising us that the balance on the loan/Visa was due in full of XXXX XXXX, 2015 otherwise we would have to pay Deferred Interest charge for {$11000.00}. The Deferred Interest or fine is more than 66 % of the balance! How can CFPB, FDIC or any agency allow financial institution to pay on consumers this way?
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC (OK)

In XXXX we had a fire that burnt our house to the ground. When we received the insurance money, we just wanted to pay off the loan and go on with our lives. XXXX XXXX XXXX XXXX told us no that we could not do that. So, after fighting with them and hiring a lawyer, we sent them the check and started building our new house, which we finished in XXXX. When all said and done there was around {$4000.00} left that they are still holding on to this day. We are in the process of saleing our farm, which is where the house is, and purchasing another farm. I asked for payoff letters and when I go them there were all kinds of fee that were attached. We have paid {$50000.00} on the loan and but most of that went to all the fees. Then when we got the latest payoff notice there was another loan attached to it. This loan was supposable taken out in XXXX to keep XXXX XXXX XXXX from foreclosing on us. This loan is from HUD and was to be paid at the end of the loan. I have requested payoff for it through HUD but have not heard how much that is going to be once they add their fees. We feel that if XXXX XXXX XXXX XXXX would have taken the insurance check in XXXX we would not have had all the fees and interest that we are now paying. 
Also apparently, they and their parent company Lakeview Loan Services has had numerous security breaches that we had no idea they had. We were never contact that we might be one of the people information the hackers had gotten. 
XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed. 

Per the family XXXX educational privacy act of XXXX, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but XXXX, XXXX XXXX and XXXX has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.
Consumer complaint received 2024-02-20
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itema listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (DC)

After careful examination of my financial records, I have discovered that a debt, which was previously reported by XXXX XXXX, has been settle for less than the full balance amount and balance is reporting XXXX. On My credit file Experian and XXXX reporting negative account on my credit file. In accordance with the provisions of House Joint Resolution 192 ( HJR 192 ) passed in June 1933, If this matter is not resolve, I will seek damages for the offset debt that should have been properly dispute. 
Despite the settlement, XXXX XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. Experian has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House Joint Resolution 192 policy, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. 
The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, Attached is the provided documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in HJR 192p policy, any offset debt that has been settled should not negatively impact my credit report.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

Wells Frego card service bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2024-02-20
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. (IL)

I reviewed my consumer report and noticed late payments on my account with XXXX XXXX XXXX addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

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 2024-02-19
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.