davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I mailed the check, in the amount of {$2100.00}, and addressed to the payee XXXX XXXX, at a USPS mailbox on XX/XX/2022 ( check number XXXX ). It was cashed on XX/XX/2022. This check was for rent, and I assumed my landlord cashed it. My landlord called me on XX/XX/2022, to tell me the check never arrived at her house. I went to see the check transaction on my Chase account and saw that someone I don't know, whose name is different from the payee, signed the back of it. The check was stolen and cashed by this person. 

I called Chase and was directed to complete a Declaration of Unauthorized Endorsement or Altered Item form. Even though my landlord mailed the form in on XX/XX/2022, Chase never received it. My partner and I, therefore, went to a Chase branch on XX/XX/2022, to submit the form in person. They accepted the claim but said that the other bank ( I believe, XXXX XXXX  ), where the stolen check was cashed, is responsible for payment. Chase followed up on XX/XX/2022, with the other bank. The other bank has not responded as of XX/XX/2022. I have included all the documentation of this claim : the Declaration of Unauthorized Endorsement or Altered Item form with the image of the stolen check with the thief 's signature. 

As can be seen on the check image, the routing number of the receiving bank of my stolen funds is XXXX. The account number where the stolen funds were deposited seems to be XXXX.
Consumer complaint received 2022-01-14
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. (TX)

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all XXXX credit bureaus. I have reached out to XXXX, Trans Union, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXX Bank. 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( XXXX late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with Trans Union on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the XXXX attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under XXXX XXXX XXXX.
Consumer complaint received 2022-01-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/XXXX, Mr. Cooper charged me a $ XXXX county fee. This fee was included and paid on XX/XX/XXXX during my closing. My closing cost detail sheets include this fee paid to the county. Also, Mr. Cooper charged {$5.00} in " other fees due '' for a service that was not rendered nor authorized. I never authorized an Exp Quote Delivery Fee. On XX/XX/XXXX, I placed a call to Mr. Cooper requesting an immediate payoff letter. The representative stated I needed to call back in a week and that expedited payoffs via email have a fee. I refused to pay the payoff fee and asked for a written notice on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. My request was intentionally delayed by staff. After multiple requests, I received the payoff on XX/XX/XXXX. Although, I received three other notifications from Mr. Cooper within that timeframe, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request reimbursement for these erroneous charges totaling {$55.00}.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the Transunion, XXXX and XXXX to delete them. As I plan on seeking civil liabilities if not removed ASAP.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

In the past few months, I have contacted Discover Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to Discover Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from Discover, and a documented ledger of my payments being on time ( provided by Discover ), I opened a dispute with XXXX. The dispute was kicked back, as was 4 other attempts. 

When reaching out to XXXX as to why this was the case, I was told that Discover said the late payments were valid. This is a direct contradiction to what I had been told by Discover and also contradicted the documentation that Discover had provided which showed payments being made on time, not delinquent.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2021. I open a checking and Savings with Citizens Bank. I had {$220.00} in my account before the bank suddenly took {$170.00} from my account XX/XX/2021. Whichever left my account unable to cover my purchases so now my account is overdraft by {$82.00}. I called them, they said it was for a charged off account. I don't know how many years ago. But why allow me to open a new account, if I supposedly owe?? On an account that was closed down and charged off. I wasn't aware of this transaction by any means, my was just taking from account caused insufficient funds for other transactions I had. I believe Citizens bank stole my money.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP (CA)

Kimball Tirey & st J have put multiple accounts on my credit refuse to follow ANY federal laws refuse to validate any accounts refuse to respond make threat against and call my elderly mother and demand XXXX in payments on a account that hasn't even been validate or showed proof I owe total XXXX XXXX  telling me were lawyers we can do want ever we want this company has contact my family telling them Im a " XXXX XXXX '' and a " XXXX '' and give them personal information and spending slanderous and defamation even tell my kids dads a " XXXX '' and doesn't pay his bills even call my kids cell phone number
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

I have notified Ability Recovery Service and demand a cease and desist to stop communication with me. Ability Recovery Service failed to abide by federal law in violation of the FDCPA.15 usc 1692c ( c ). 

I have also reach out to Ability Recovery Service requesting information I have yet to receive. 
They fail to cease communication through all mediums pursuant to federal law. All mediums mean telephone, email, social media, letters, and consumer reports. 

My consumer report is in fact a medium and I demand a deletion from my consumer report.
Consumer complaint received 2022-01-14
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)

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account ( XXXX - XXXX and XXXX ). Because the accounts being reported by your company, XXXX XXXX and Experian are different, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, Transunion shows the 3 inquiries still, XXXX  one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion and XXXX  are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Consumer complaint received 2022-07-08
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. (NY)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-07-08
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. (TX)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX
Consumer complaint received 2022-01-13
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. (NC)

In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the XXXX credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX that I needed to dispute this with all XXXX credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
Consumer complaint received 2022-01-13
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. (NC)

In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX  that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (LA)

I closed my account with XXXX XXXX XXXX in XXXX because their internet was horrible so I switched over to XXXX XXXX. I let XXXX XXXX XXXX know I was closing the account, I paid my last bill, I turned in all the equipment. From all angles everything was fine, XXXX XXXX XXXX made it seem like everything was fine and I had done what I had to do. I had always paid on time and was a good customer and never had issues with payments with XXXX XXXX XXXX and from my knowledge was left in good standing when I left to go with XXXX cable. Well XXXX XXXX XXXX decided to charge me another bill without notifying me or mailing me a bill. They put me in collections. I didnt find out until XXXX that I supposedly owed them but by this time I was confused since I paid my last bill and closed the account and turned everything in. What XXXX XXXX XXXX and Franklin Collections Services are doing is fraudulent because Im not the only one they are doing this to. I would have paid it if I would have known about this bill. Now my credit score is constantly being hit by Franklin Collections Services and XXXX XXXX XXXX says its not their problem even though they caused this problem. Im not going to pay a 3rd party the money when they dont legally have to remove that off my credit report. I need it removed off my credit report! I will only pay XXXX XXXX XXXX if they remove this off my credit report. I am not legally bound to a third party. My contract was with XXXX XXXX XXXX and thats who needs to fix this. I just had hurricane damage to my house due to hurricane Ida and this is causing me even more undue stress because of the unscrupulous behavior of these 2 companies.
Consumer complaint received 2022-07-08
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. (IL)

XXXX XXXX notified me that there had been a hard inquiry into my account. I decided to check Experian and saw that XXXX had conducted a hard inquiry on my credit report on XX/XX/2022. I reported the fraudulent use of my information to the Federal Trade Commission. Takes 24 hours to generate a report. Reference # XXXX but the temporary password is given by FTC and it does not work with my email account. I contacted Experian and XXXX to dispute the fraudulent inquiry. Before, I had filed a report with the XXXX XXXX online when a delivery from XXXX XXXX was stolen and never delivered to my address.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.