davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ACCOUNT REPORTING TO MY CREDIT REPORT DOESNT BELONG TO ME FOR VERY LOANG TIME I WAS GETTING DENIED FOR CREDIT WAS NOT SURE WHAT WAS GOING ON UNTIL RECENTLY I REVIEW MY REPORT TO FIND NUMBERS OF UNKNOWN DEBT I HAD NO KNOWLEDGE OF AND I AM WORKING TO FIX IT ALL
Consumer complaint received 2022-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

United revenue corporation has violated my rights. 

15 U.S.C 1692g : Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 
Account # XXXX and Account # XXXX are fraudulent and inaccurate, debt collector/Original creditor failed to verify debt after receiving dispute letter thru certify mail
Consumer complaint received 2022-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Dear Sir or Ma'am : In late XX/XX/2022, I deposited a check from XXXX company for over {$73000.00} into my Saving Account with Chase bank. This was physically deposited with the branch in XXXX XXXX, XXXX. I was informed by the teller that due to the amount the check would be held for XXXX weeks and be available to me by XX/XX/2022. 

A week after depositing this check, I received a letter from Chase bank saying my savings account would be closed in the near future and to call their customer service for further information. I contacted Chase bank and was told the account was flagged due to the large amount and the check would have to be physically verified, by contacting the issuing company XXXX XXXX XXXX. I was told this would happen by XX/XX/2022 and that everything should be okay and the account would not be closed. 

On XX/XX/2022, I had not received any further information from Chase bank about the saving account, so I went to the local Chase branch and was informed that not only were there no funds from the check but also the saving account had been closed. The branch advised me to contact Chase customer service. 

I called Chase bank customer service and finally was directed to the fraud department. The fraud department said the check was being held, my saving account was closed, and that the check had not been validated or any attempt was made to validate the check. It was Chase bank 's policy to hold checks and not release the funds unless the checks were validated by a phone call to the issuing company. I was informed it was not Chase bank 's responsibility to go beyond a cursory attempt to verify checks and that Chase would not communicate with the customer if their account were closed or a problem developed in verifying the check. 

I was informed that I needed to contact the company that issued the check and finds out who can validate it, then go through Chase to have them contact the issuing company to confirm the validation. 

I find this policy of Chase to be in the company 's best interest and harms the customer. I was not informed the account was closed or contacted other than the initial no descript letter, that there was a problem. In the multiple calls to chase, I was hung up on XXXX times, spoke with about 12 people, and waited over and over to speak to individuals who in the end could not assist me or re-open the closed saving account or release the funds that I in good faith deposited into my Chase savings account.
Consumer complaint received 2021-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

On or around XX/XX/2021, my home equity line of credit was suspended without notice or reason. Since XXXXXXXX XXXX, when I first because aware of the issue, multiple attempts at getting a reason or lifting the suspension have met with demands for arbitrary letters and forms that I have duly filled and sent, yet the suspension has not been lifted. 

Please help me get this suspension lifted immediately because there is NO lawful reason for it - my credit scores are XXXX, XXXX, and XXXX ; 30+ year clean record of payments to all creditors with 18 years with this HELOC. 

Please feel free to contact me for further information. 

Thank you!
Consumer complaint received 2022-06-21
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. (LA)

In accordance with the Fair Credit Reporting Act- XXXX XXXX  Account # XXXX, Dept of EDXXXX XXXX Acct XXXX XXXX Dept of EDXXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct- # XXXX XXXX  Acct- # XXXX XXXX XXXX Acct # 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 604A. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (TX)

Sent certified mail to all three bureau on XX/XX/2021. Only bureau to respond was Equifax and they stated the could find no record of me. I have personally pulled all three of my credit bureau so not sure how this could be. I have proof of certified mail.
Consumer complaint received 2021-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

This complaint is against Equifax only. I am in the beginning of my first time mortgage/homebuying process and I have to remove the dispute comments from my Equifax credit report. XXXX and XXXX have done it within 24-72 hours but Equifax is taking 30 days and they told me that there is no way to expedite it which is absolutely false. Equifax has a expedited dispute service that they offer, they just did not tell me about it and its for a fee. I am trying to obtain the American Dream, and Equifax is making it very difficult for me to do that plus they have bad customer service. I do not feel that I am being treated fairly as a consumer especially in relation to the other credit bureaus which act promptly in making sure my credit score is accurate and up to date. It should not take 30 days to delete the word " dispute '' from the comments of a 3 accounts on my credit report, and if it does take 30 days then that there is a problem within itself. Mortgage timelines need to be taken into consideration, Equifax does not care about anyone but themselves.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called XXXX and TransUnion today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over 80 changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from XXXX and XXXX showing no changes noted. I have yet to receive a report from TransUnion. So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NY)

I went to finance a vehicle with 112 certified I was told I would get something in my price range of around XXXX I do have XXXX XXXX and did not comprehend the contract from what I understood to be payment of XXXX came out to be XXXX and I spoke with them right away and was told they would stop loan process so they have possession of the car I dont and they knew I could not afford the vehicle after stating they would cancel with the bank now they are trying to push a loan anyway they I could never afford and are trying to scam me I seriously need help they gave me no paper work no receipts or anything and trying force me into paying for used vehicle for almost {$30000.00} I have mortgage for XXXX and only make XXXX a month please I need all the help I can get
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OK)

On my XXXX, XXXX I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.
Consumer complaint received 2021-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I will Provide my paid receipts. The bill is paid off by a third party, when I Inquired I was informed by XXXX Staff that it was paid in XX/XX/XXXX. I never paid XXXX on the bill now the Water bill is XXXX dollars plus credit of overpayment. XXXX  XXXX  never informed me that the bill was paid off by a third party already, and continue to take payments from me. I have also attached documents on the online account that states no payment history. How can anyone pay a water bill with no payment history. There has also been reported that my home was abandoned to XXXX XXXX  XXXX back in XX/XX/XXXX which is false. There is fraudulent activity going on with my home, and I dont own this bill that has already been paid the village is double dipping on payments with my water bill. This is not the first time this has happened since XXXX. XXXX XXXX  has not provided any documents of the third party payment on the Water bill account. Im requesting my refund of XXXX that I do not owe with XXXX XXXX. This information has also been faxed to Capital One as well.
Consumer complaint received 2023-08-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Compass Recovery Group, LLC (LA)

On XXXX XXXX, I replied to an email sent to me by Compass Recovery Group. They claim to be trying to collect a debt for XXXX XXXX XXXX, another debt collector. Who claims they purchased my debt in XXXX of XXXX. 
I requested proof of ORIGINAL CONTRACT WITH WET SIGNATURE and payment history. As well as requesting for them to cease emailing me. 
Today, XX/XX/XXXX, I received a copy of a contract, a payment history, a letter that they claimed was sent on XXXX XXXX, and a copy of an old driver 's license of mine. 


There are several things wrong here, that go against consumer law and my rights as a consumer. 
Starting with the contract provided me, the amount of debt is inaccurate, as well as the computerized signature. Reading the top left corner of the contract, it states that I initiated this loan over the phone. I do admit that I did initiate a loan with the original creditor in XX/XX/XXXX, IN PERSON, in which I made payments on. This is the original contract I requested. I do not know where this new contract came from. I didn't request to extend the loan by {$500.00} over the phone, as stated. The number of total payments increased, and the overall interest payment is also inaccurate. 
The information provided on the application has been added through running a credit report, not by my giving the information. As the real estate information is inaccurate as well as other information. 
My rights to privacy were also violated by this collection agency sending a copy of my driver 's license via mail, as I have been a victim of identity theft and have noted this, in previous complaints. 

When it comes to collection practices, it appears that there are 3 different collections agencies trying to collect this inaccurate debt. I have received emails from another company, by the name of XXXX XXXX XXXX XXXX, that initiated the emails in XXXX of this year. So, I am uncertain how COMPASS RECOVERY GROUP acquired this account from XXXX XXXX XXXX, who claims they purchased the account in XXXX of XXXX. 

Last but not least, I did not receive initial written notice that my original debt with sold to anyone. According to the law, I am to be notified at least five days before ; in writing. 

It sems impossible to receive accurate information, as there appears to be 3 collections agencies trying to collect different amounts, none of which are what I signed a contract agreeing to.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2021-07-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

IN XXXX OF THIS YEAR I SUBMITTED A COMPLAINT AGAINST SELECT PORTFOLIO SERVICES FOR XXXX MY HOUSE PAYING AFTER JUST ONE FORBEARANCE PLAN I WAS DENIED 2ND FORBEARANCE PLAN AND WAS TOLD I DIDNT QUALIFY FOR A MODIFICATION WHY WAS I DENIED A SECOND FORBEARANCE PLAN???? AFTER SELECT PORTFOLIO SEVICES TOOK 2 MONTHS TO GET BACK TO ME EACH TIME I ASKED FOR HELP I KNOW I AM NOT THE ONLY ONE I ALSO SAW COMPLAINT AGAINST SPS ON THE XXXX  COMLAINTS SAYING SPS TOOK MANY MONTHS TO GET BACK TO THEM WITH MODIFICATION RESULTS OR WE DIDNT SUBMIT ALL THE PAPER WORK WHEN WE DID SPS WOULD JUST COME UP FOR ANY REASON BECAUSE THEY HAD SO MANY PEOPLE ASKING FOR HELP THEY WERE NOT PREPARED SO OUR MORTGAGE PAYMENTS PILED UP I DONT CARE IT SHOULD BE ILLIGAL FOR A HOMEOWNER TO LOSE THERE HOUSE BECAUSE THEY LOST WAGES JOBS TOLD TO STAY HOME DUE TO A PANDEMIC WE HAD NO CONTROL OVER MY HOME IS IN XXXX COUNTY CALIFORNIA XXXX XXXX IS ONLY XXXX MINUTES AWAY SO THAT MEANS WE WILL BE TOLD TO PUT OUR MASK BACK ON BECAUSE LA IS GETTING HIT HARD AGAIN WHERE IS THE BILLIONS CALIFORNIA IS SUPPOSED TO GET I REACHED OUT TO HUD MY COUNCELOR SUGGEGESTED I FILE ANOTHER COMPLAINT BECAUSE SPS DENIED ME TO MODIFY MY LOAN I DONT CARE GIVE ME A 4O YEAR MORTGAGE CALIFORNIA IS TRYING TO FIND HOMES FOR THE HOMELESS NOT MAKE MORE FAMILIES HOMELESS I AM A XXXX XXXX WHO WORKED HARD FOR THE AMERICAN DREAM SO I AM SUBMITTING THIS COMPLAINT BECAUSE MY HUD COUNCELOR SAID THEY CANT DENY MY A MODIFICTION APPLICATION
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.