davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

In the attachments is a record of me and XXXX  and XXXX XXXX XXXX. Initially I received collection letter from XXXX XXXX XXXX and I wrote back requesting validation from them. They never wrote back then I received a letter from XXXX stating that they are the ones collecting and that XXXX XXXX XXXX is just servicer. That was just a stall tactic. I sent out another validation letter requesting proof that I owe the debt. XXXX wrote me back and stated in their letter that they sent all the documents that I requested in the envelope. When opened the letter, the only thing that was in there is XXXX paper that look like a bill. Everything I requested was not in the envelope. It takes money to send out these letters, so I am doing it through this CFPB channel. Everything XXXX  claim they enclosed please send through this portal because I did not receive it by mail. If you cant present these documents that I requested please cease all collection. Please cease and desist on all mediums. Send me a letter that I am not responsible for this debt. everything is attached
Consumer complaint received 2022-07-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IL)

Dovenmuehle Mortgage / XXXX XXXX XXXX XXXX XXXX XXXX  ) will not complete the Covid Hardship Deferment process that they offered to me. When I called them in XX/XX/XXXX to explain that my tenant was several months behind in rent but could not evict her due to government Covid eviction restrictions, they offered to me a 3-month Covid Hardship forbearance at the end of which would become a deferment. When I called after the initial 3-month forbearance period ended in XX/XX/XXXX to find out how to complete this deferment process, they must not have understood my request because, what I learned later, they simply extended the forbearance period another 3-months. ( At this point I " skipped '' only 2 payments. ) After receiving past due letters I called them and found out that there was documentation needed in order to complete the deferment process and again they granted another 3-month forbearance period. I submitted the covid hardship form along with all of the requested documentation and resumed making the monthly payments. ( As my attached payment records show, I " skipped '' only 5 payments even though I was allowed to " skip '' 9 payments during this forbearance period. ) Even though I paid more than was expected from me during this time, I started receiving past due letters. After hours and hours of making many phone calls ( most of my time was spent on hold and being transferred ), emails, faxes, certified mail, etc, the only response I ever received, and continue to receive, is that I am missing documentation ( like paystubs ). I kept resubmitting the same requested documentation via fax, emails, etc. This went on for months until I received a summons at the end of XX/XX/XXXX to appear in court. The judge told both myself and the lender 's lawyer to contact Dovenmuehle/XXXX  to find out what is going on with my account and to find out why my payments have not been applied properly. ( I also learned that they had not been applying my payments to my account but rather to a " suspense account, '' which of course artificially made my account " past due. '' ) This is still going on. I called again today, XX/XX/XXXX, and was told, once again, that they are missing the same documentation ( paystubs, page 6 of a form that " got cut off in the fax, '' etc. ) My next foreclosure court date is XX/XX/XXXX. I am attempting to do what the judge instructed and find out what is going on with my account so that this can be resolved before this date. I have attached my payment records, my correspondence log, and the list of documentation provided to Dovenmuehle/XXXX, their lawyers, and the court.
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the XXXX XXXX act XXXX XXXX Account 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX XXXX Account 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

Why the XXXX is the US bank branch in my town closed during the week? My husband went today on his way to work to get money out of the ATM and the ATM was not on. Went to go into the bank and sign said branch is temporarily closed. XXXX!! This is constantly the case at this branch. Called US bank customer service and they know nothing about it. Was surprised that the branch was closed. When we cant access our own money, this is a serious problem. I will not stand for it. I also called corporate ( US Bank ) and apparently no one is working there either because no one answered the phone. If US Bank doesnt give a XXXX about there customers, then we will go somewhere else. Not only that, the hours that they are open XXXX! They close at XXXX and they arent even open on XXXX anymore. XXXX  XXXX XXXX  has branches that are open till XXXX XXXX. US Bank, I suggest you start paying attention to what your branches are doing, or rather, not doing. And I dont want to hear the excuse that theyre closed because of Covid. Thats XXXX.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Statewide Credit Services Corp. (CA)

We hired a company called " XXXX XXXX XXXX XXXX '' to get us access to our lighting control system after purchasing an apartment. The sellers of the apartment were difficult to reach so we believed this would be a faster solution. The company came to the apartment and changed the system so that it was only accessible to them and then billed us despite performing the opposite service they were hired to do. 
This company then sent the debt to " Schwartz Schwartz and Associates '' who have harassed both myself and my wife by phone nonstop since, threatening our credit, insisting that this is a legitimate debt and refusing to help promote an amicable solution with the original service provider. 
This is a small debt and would be a very easy thing to resolve if the either of these companies cared to seek a solution. Our lighting controller is now tied to an account that only " XXXX XXXX XXXX XXXX '' has access to and is being held hostage. Both of these companies should be avoided by consumers.
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX XXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account is reported inconsistently across the three major credit bureaus ( Experian, XXXX, and XXXX ), with the following discrepancies : Experian : The account is reported as closed, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 

Additionally, both Experian and XXXX have placed this account for collection without my consent. The payment status is incorrectly listed as collection or charge-off. These discrepancies are not only misleading but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to credit reporting agencies. The inconsistent reporting of this account, including the incorrect dates and statuses, constitutes a violation of this section. Furthermore, the FCRA mandates that credit bureaus ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account for collection without my consent violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of a debt. The incorrect collection status also violates 15 U.S.C. 1692f, which prohibits unfair practices in the collection of debts.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, three fraudulent transactions were made from my Chase account. 
Two credits into my account for XXXX $ each ( Total XXXX  $ credit ), and one debit of XXXX $ via XXXX to an account name XXXX who I have never had any transactions with in the 5 years I have banked with Chase. 

I instantly contact Chase and flagged these transactions within the 10minutes of getting a message from XXXX Chase about the XXXX $ transfer to XXXX. 

Since these were fraudulent scam charges, I submitted a claim with Chase ( Claim Number # XXXX, # XXXX ) for all these three transactions : the two credits, and one XXXX payment. 

Chase force posted these three transactions to my account and stated the investigation was still ongoing. 

Few days ago, Chase took out the XXXX  $ unauthorized credit from my account and said they were still investigating the XXXX  transaction. 

On XX/XX/XXXX Chase contacted me via email and said after investigation, they dont claim this XXXX  transaction to be unauthorized since it came out of my account and will not refund me the XXXX $ that was taken out of my account and this case is hereby closed. On calling them they said a ) since XXXX is a third party vendor, Chase could not get the money back from them and therefore can not give me my XXXX $ back. b ) they also said since these transactions came from my account, they consider it authorized and will not reimburse me. c ) They will not reopen this dispute unless they get a report from authorities or proof that it was not me who did these transactions. 

To address the third point I had contacted the police and filed a report and have a case number with the XXXX XXXX police department ( XXXX ) and Chase has asked me to fax this report over to maybe look into reimbursing me. But I also want to file a complaint with the CFPB to protected under the Regulation E of the External Funds Transfer Act to have Chase Bank reimburse me my XXXX $ since I has a consumer did not authorize this fraudulent scam XXXX $ XXXX payments, neither did I receive any benefit from the transaction, so under Regulation E the bank should reimburse me.
Consumer complaint received 2022-07-29
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2022-12-05
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: CURO Intermediate Holdings (VA)

My Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : States a Creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2022-11-11
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. (PA)

In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX CO : account # N/A, account name XXXX : account # N/A, account namXXXX XXXX XXXX, account # XXXX, account name XXXX BANK, account # N/A, account name XXXX XXXX SERVICES, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can no
t 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
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. (GA)

hard inquirie on my equifax report i contact equifax and they would not delete the inquirie wich is not attach to any open account on this date XX/XX/2022
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (AR)

My son, age XXXX, made a myriad of purchases on XXXX XXXX for some virtual game and these charges were not authorized. I have disputes with XXXX and XXXX. I believe XXXX will take 90 days or so. XXXX had refunded some of the purchases made on my debit card as well as saying they refunded a few purchases made on the XXXX XXXX  XXXX but I have yet to see these in my account. XXXX XXXX has provided provisional credits during the dispute and XXXX sent emails saying the were refunding {$1300.00} of the {$1900.00} to XXXX XXXX but they have not done anything about the charges to XXXX.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a text message from the Bank of America text line asking if I had authorized a XXXX  transaction this afternoon. I sent back a text saying " no. '' I was called by a Bank of America representative alerted by my text message. The person verified the last four of my bank number, account number, and the amount in my checking and savings account. The person told me to send a series of transactions via XXXX to this phone number : XXXX XXXX XXXX. I sent three transactions : {$1500.00}, {$200.00}, and {$200.00}. The person explained the amount would be credited back to my account. When the funds were being withdrawn from my account, I was alarmed and the person hung up the phone. I called the number back to no avail. 

I called the general Bank of America line. The representative said they filed three separate fraud claims for each transaction. I have not received an email confirmation or a timeline for when the monies will be put back into my account. Please advise.
Consumer complaint received 2024-08-22
Product: Credit reporting 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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-07-29
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, have 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
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Capital One Bank USA are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX  Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX fraudulently reported a debt from XXXX XXXX  XXXX, amount {$650.00}. I contacted XXXX XXXX  today - XXXX - to inquire about this account. They stated that they sent out 1 letter on XXXX. When I informed XXXX that I had not received this letter, they informed me that it went to the wrong address. When I asked why they would then report it to TransUnion on XXXX, the representative claimed that they do not report to the credit bureaus. I told her that I had contacted TransUnion, who informed me that this was reported by XXXX. She still claimed that they do not report to the bureaus ; so I asked her if they didn't report it and TransUnion did not, how did it get on my credit report. Her response was that I should file a police report and immediately disconnected the call.