davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: United PanAm Financial Corp. (NY)

I went to XXXX : company name who I now see is rated F by the XXXX So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX 

XXXX inquired hard on my credit 3x consent wasnt given for any of these.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (DE)

I went to a car dealership and applied for auto loan, I also applied for some credit accounts and my credit was shopped around, I ended up with 55 hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to request the removal of a dismissed bankruptcy and associated late payment remarks from my credit report. Despite previous attempts to address this matter, I have not received a satisfactory response, and the inaccurate information remains on my credit report. 

The dismissed bankruptcy, which occurred [ XX/XX/2023 ], was ultimately resolved and dismissed [ XX/XX/2023 ] by the court. As a result, it should not be reflected on my credit report as it inaccurately portrays my financial history. 

Furthermore, any late payment remarks associated with this bankruptcy are also inaccurate and misleading. These remarks do not accurately represent my creditworthiness or financial responsibility, as the dismissal of the bankruptcy indicates a positive resolution to the situation. 

I have sent in attached documentation confirming the dismissal of the bankruptcy for your reference. I kindly request that you promptly investigate this matter and take the necessary steps to remove the dismissed bankruptcy and associated late payment remarks from my credit report. 

I understand the importance of accurate credit reporting and its impact on my financial well-being. Therefore, I urge you to prioritize this request and provide me with confirmation once the inaccuracies have been corrected. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy and late payment remarks from my credit report. 

Sincerely,
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (NC)

This Pressler and Pressler Law Firm who is a debt collector, sued me without properly notifying me of the lawsuit, sued me where I did not live, attempted to/Collected exempt funds that were not mine and seized or attempted to seize property. 

In XX/XX/XXXX, without my knowledge or any sort of notice to me, they filed a lawsuit against me in XXXX for failure to pay a debt. They did not serve me and I never knew of the lawsuit, and as a result a default judgment was entered. I had moved out of XXXX in XX/XX/XXXX and now live in XXXX. I had no knowledge of this judgement and it did n't even appear on my credit report. They had the judgment for 6 years and never made any attempt to contact me. Then 6 years later, last Friday, they seized money from my bank account, a joint account that is held with my wife. 

We had no idea why someone was placing a legal hold on our account and had to contact the bank. I was given a number to contact Presseler and Pressler to find out more information. I called this company and they refused to give me any information except that it was XXXX, it is a debt from XX/XX/XXXX, they filed a case in XX/XX/XXXX, now have a default judgement and can take the money. I still do n't know what this debt is and why they think that I owe it. I do n't even know what type of debt it is, the company they say I owe the debt to, XXXX, I never had an account with. This may be a case of identity theft, but the person told me on the phone " they have the money now so they are not going to do anything else or provide me any other information ''. I do not even have any paperwork to upload or provide you because I was never given any. Its like someone came and stole money out of the bank account. 

The money they took was not even mine, it was my wife 's in our joint account. If, like they say, the debt originated in XX/XX/XXXX, this was before I was married and she is not liable for that debt. They also took personal property that was exempt from taking under XXXX Law, because the money that was mine in that account was much less than XXXX. They also came into and took money from a XXXX account with a XXXX judgment. 

I am currently in the process of filing a Motion to Vacate the Default Judgment, and also plan to oppose the Motion to Turn Over Funds. 

I did some research because I am still clueless as to what this debt is and found out that the CFPB last year fined this same Law Firm, Pressler and Pressler, and this same Company, XXXX, for the exact same practices they are still pursuing and using to harm me. I think that I may be a victim of fraud.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Accounts, LLC (VA)

I have been harassed by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX by Capital Accounts over a claim that I do not owe / am not familiar with. 

In addition to calling me at my work number which does not allow personal calls, they also contactedseveral senior citizen family members and misrepresented who theywere, misstated alleged amountsowed, and made threatening remarks. 

I requested that they stop all communication with me and with this address about this debt, and that I am disputing the debt/ have no knowledge of what it is. However they have ignored those written requests and continue to harass me at work and call family members claiming to be from the government.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Urgent Request for Issuance of Account Balance Check and Complaint Against Inconsistent Service To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chase Bank for its failure to issue a check for my account balance, amounting to {$110000.00}, despite repeated requests and following their given instructions. My efforts to resolve this issue through the bank 's channels have been met with inconsistency and lack of clear guidance, causing me undue stress and inconvenience. 

Here is the account info. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX Previously, I complied with Chase 's instructions by visiting a bank branch on XXXX XX/XX/2024, bringing two forms of identification to assist with the process as required. At the branch, a banker filled out a form titled " DECLARATION OF LOST CASHIER 'S CHECK ( Individual ) '' on my behalf. However, when it came to signing the document to proceed, I was informed that my account is under review and was advised to call XXXX for further assistance. 

Additionally, during my visit, I updated my account 's mailing address as per the bank 's request. Despite these efforts, the branch was unable to fulfill my request to issue the account balance check. Furthermore, I have lodged a complaint at the branch regarding the inconsistent instructions and lack of guidance provided to me as a customer. 

Attached to this complaint are copies of previous correspondence from Chase and photographs of the form filled out at the branch. These documents evidence my attempts to resolve this matter and the bank 's failure to provide satisfactory service. 

I urge the Consumer Financial Protection Bureau to intervene on my behalf to ensure that Chase Bank promptly issues the check for my account balance and addresses the inconsistencies in service that have been detrimental to my experience as a customer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I received a loan with an interest rate of 299 %. I esigned and at the time i did this, I didn't see an interest rates and my payment amounts. With a rate of 299 & and being on a fixed income, I will never get this paid off.
Consumer complaint received 2022-11-18
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: Resurgent Capital Services L.P. (TX)

I disputed an account that I did not recognize. The dispute removed the original creditor from my credit reports. However, the collection remains. If the original creditor rules in my favor and said I was not liable for the account, why wasnt the collection deleted as well? 

The original account was XXXX and the associated collection is LNLV.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AR)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Equifax mixed my credit report with someone else 's. Equifax included someone else 's collection accounts and unpaid balance on my credit report and ruined my credit report which caused the denial of my tenant application. Any reasonable person could tell the credit report was wrong and included information of more than one person since there were addresses in NY, NJ and CA in the same time and there were six XXXX accounts. However, they still sent this report out to landlords. This shows that Equifax did not exercise any reasonable care in preparing credit report and they are grossly negligent in this. 

The collection accounts Equifax wrongly included in my credit report relates to missed rent payment in XXXX and I have included my rent payment history here for the past three years going all the way back to XXXX. This clearly demonstrates that the collection accounts don't belong to me. I have attached my rent payment history here. 

In addition, there is a XXXX component to this as well. I learned from the collection agency that the collection accounts Equifax wrongly included in my credit repot belong to someone else with a similar but different XXXX name as mine. It seems like Equifax thinks all XXXX names are the same and they can just randomly assign one XXXX 's credit history to another XXXX. This shows that Equifax is extremely careless in handling credit reports of people with XXXX names and treat their customers differently based on their XXXXXXXX.
Consumer complaint received 2022-11-17
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IL)

I submitted a complaint on XXXX XXXX on SYNCHRONY BANK/XXXX  XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. Synchrony Bank provided a letter stating that SYNCHRONY BANK did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (AZ)

I have already attempted to contact Ad Astra, XXXX, and XXXX about this account. 

1. Date opened is inaccurate.

2. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.

3. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.

4. Ad Astra is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that XXXX  and XXXX  is allowing AS AStra to commit.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With FHA Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/year>.
Consumer complaint received 2022-11-17
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: JPMORGAN CHASE & CO. (DE)

I applied for Amazon credit card provided by chase bank on XX/XX/2022. They rejected my application initially due to lack of supporting documents which I was asked to fax them on the follow up call. After a number of call exchanges and a number of rejections sent my way I was send a card issued on my name by the end of XXXX, XXXX. But to my surprise, there was a XXXX  hard hit on my credit report for the same card which I was never informed about nor I consented for. Upon receiving my card I did ask them about the XXXX hit and they said it is normal procedure and it is correct. They did ask me to call the reporting agency instead i.e. XXXX. The second hit was dated XX/XX/2022 which was the date of my first follow up call. But on that call the representative never asked for my consent to make another hard enquiry nor informed me about it.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I purchased my home in XXXX of XXXX. My original mortgage payment was {$1000.00} on a 30 year conventional mortgage at 3.875 %. I received a break on my mortgage payments on the XXXX XXXX Assistance. I was originally told by my mortgage company that they were working out a Loan Modification for me that would put my missed payments to the end of my mortgage. They were only contacting me to request more documentation from me. I provided everything they had asked for on a timely basis. They told me that while this was being done that I could not make any mortgage payments during this process. They informed me that they would not accept any payments from me and if I were to provide them with any payments it would stop the modification and I would then be responsible for all of the arrearages. They were not in contact with me to let me know what was going on, they actually treated me like it was none of my business what they were doing. I kept contacting them to find out when I could make a payment, as I was well aware that it was getting further and further behind. I contacted them in XXXX and verified that they had all necessary documentation from me, which they agreed. I again questioned when I would be able to resume my payments and they told me that it should be by XX/XX/XXXX. Well, here it is XX/XX/XXXX and I again called them. I was informed that I did not qualify to have my missed payments put to the end of my mortgage, with a credit score of well over 700. My new payment would be over {$1500.00} per month at over 7 % interest. Supposedly, all conversations were recorded. I need to rectify this A.S.A.P.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid 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: Continental Finance Company, LLC (VA)

On closing date of XX/XX/XXXX the XXXX Credit card company billing statement shown I had a {$350.00} balance. This was after thorough investigation about disputed items. I called about the timing of the actions which was related by XXXX XXXX, the XXXX XXXX XXXX of customer experience in her response to my former complaint. I have not used the card since XXXX of XXXX and the card balances have been going up instead of depleting. I have been paying on the card since XX/XX/XXXX and dont see how its balance over {$500.00}.
Consumer complaint received 2022-11-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (LA)

I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.
Consumer complaint received 2022-11-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (LA)

I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC (TX)

I XXXX XXXX received a letter from MRS on XX/XX/2020. The letter which will be attached show 2 violations of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) which violated my rights as a consumer with the logo being present and also saying this was a attempt to collect a debt.