davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch (NH)

I tried to call the collection agency back, but they do not answer their phone. They've used a different phone number each time they call, and have bombarded me with numerous calls each day for several weeks. They wont return my calls or messages. They've used abusive, deceptive and threatening language and claims. They have not provided written proof of the claimed debt, nor any proof of who they are, nor proof of their right to attempt this debt collection.
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX, I sent a letter asking Experian to investigate 4 items on my report. Experian updated and/or verified those said accounts. I sent follow up letters on XX/XX/XXXX & XX/XX/XXXX requesting that those same items not only be re-investigated, but also for them to provide me with the names, phone numbers, and addresses of whom verified those accounts. Both times, the results came back as verified and/or updated. I was never provided the information that I requested so that I could follow up with them myself. I sent my fourth and final letter on XX/XX/XXXX, stating that I plan to file a formal complaint with the FTC, XXXX, and CFPB. I later received an online notice stating Account previously in dispute - investigation complete, reported by data furnisher. Again, I have asked them on 2 separate occasions to provide me with whom they spoke with specifically to very those accounts. Furthermore, in each letter I requested the results to be sent to me via mail. Instead, I received email notifications to retrieve results.
Consumer complaint received 2022-09-12
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. (TX)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00}
Consumer complaint received 2018-12-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have sent notices by Consumer Federal Protection Bureau complaints with out any closure on two accounts that Portfolio Recovery Services refuse to provide documentation for. Portfolio Recovery Services has been ignoring my request for proper debt validation.

I initially filed a complaint XX/XX/2018 ( CFPB # XXXX ) requesting debt validation and accounting of the accounts. They did not provide either within the 30 day window. They ignored me and sent a generic letter. I also disputed this with the 3 credit Bureaus and Portfolio continues to not provide proof They are using illegal practices and policies of using mailing addresses and names on validation letters. I filled a compliant XX/XX/2018 ( CFPB # XXXX ) requesting validating and full accounting and on my accounts.

They responded with a letter addressed to someone who is not me. I do not know who XXXX XXXX is. This is another example of them showing they do not have documentation for this debt.

I also mailed a letter of dispute to them directly in XX/XX/2018 through the Postal Mail.
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

I have a conventional mortgage with NewRez mortgage and despite numerous calls and e-mails the company continues not to acknowledge I have overpaid on my escrow and refund overage The company has paid my XXXX tax bill reflecting amount that will need to escrowed for XXXX and tell me they never got my tax bill
Consumer complaint received 2024-09-13
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. (VA)

I noticed that within XXXX hours for some reason my credit score has fallen tremendously onSept XXXX. I have been researching all day almost trying to figure out what has occurred or going on. I finally detected it after I gained access to my Equifax to freeze my files. But took the time this evening to investigate even more of my suspicions that I noticed on XX/XX/2024, my XXXX XXXX  XXXX. At first, I noticed that I could not log into my account with my credentials and password. I checked again and it was right. The website looked different and I was so puzzled what are they doing and where is my mortgage information or payments etc. Something was off. 
I was upset and closed and retyped XXXX to access my account. I tried my credentials again and it worked. I began researching why my credit score dropped XXXX points on Equifax then went and looked closer at my data on Equifax.com. I did a free credit report inquiry on myself discovered something verysuspicious and tied it to a text message that first received on XXXX. I could not use my account credentials and password to see what the heck was on this application, I knew something was wrong besides a payment incorrectly applied to my account for XX/XX/2024 that they mentioned they would fix also of {$25.00}. Like how can one make an error saying I still owe when I paid it on full on XX/XX/XXXX of the {$830.00} total. How can one not see that and still have the nerve to produce a XXXX XXXX  statement like I still have an outstanding late fee of {$25.00}. With a statement saying I'm 2 days late. How Indicated at unapplied balance {$25.00} to add to {$780.00} when my monthly mortgage payment without late fee is {$810.00}. 


For the suspicions that my account fraudulentlyhad a loan application opened without my request, I demanded an internal investigation to see what employee or who had access to send me a text message on behalf of XXXX XXXX  which is connected to XXXX XXXX. My ticket number regarding the unauthorized mortgage application XXXX which the Customer Service Agent gave me for my record.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-05-17
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: WELLS FARGO & COMPANY (NY)

On XX/XX/2023, I received an email from Wells Fargo stating that my credit card request was approved. I received a follow up email stating that my balance transfer had been approved, from an account that is not mine. 
I forwarded these emails to the email address listed on the wells fargo web page : If you did not respond, forward the suspicious email/text message to reportphish@wellsfargo.com No response! 
On XX/XX/XXXX, I called Wells Fargo and was routed to somone who took all of the information, and confirmed they had opened an investigation and the card would not be activated. They also stated that I would receive a follow up call to collect additional information if needed. The number called was XXXX. 
No response! 
On XX/XX/XXXX, I received a new credit card in the mail, and a letter from Wells Fargo regarding my credit report. I immediately called the number on the card and was told that the card was active and my balance transfer was approved. 
I stated that this is fraud and the card was not requested by me. I was transferred to another person who again asked the same questions as the person I spoke with the previous week. There was no record of my previous call, according to that rep. 
They then asked if I wanted to keep the new card and keep the account open. 
I may have yelled at this point, as I had clearly never wanted the card, and did not request it. They confirmed that the account is inactive and the balance transfer would be denied. 
I have no faith that they can handle this, and assume that they are just creating new accounts for customers without their permission.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As of XX/XX/XXXX, I am known as a victim of identity theft. My identity has been stolen and used against my rights. There are a few fraudulent credit card accounts listed in my name. I would like for all of the following accounts listed in the file below to get removed expeditiously. These account doesn't belong to me at all.
Consumer complaint received 2024-09-13
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. (NC)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three  credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-08-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

To whom it may concern : In XXXX, XXXX, I leased a XXXX XXXX XXXX from XXXX dealership in XXXX, Montana and financed by US Bank. The vehicle was involved in an accident in XX/XX/XXXX. My insurance company XXXX declared the vehicle totaled and took possession of the vehicle. Since XX/XX/XXXX, XXXX had made numerous attempts for the US Bank to provide them the vehicle Title so that they can settle the claim to no avail. 
In XX/XX/XXXX, 6 months after the accident, I wrote the US Bank a letter stating that I won't be able to make further monthly lease payments of the vehicle I am not using. The Bank didnt acknowledge the receipt of my letter, instead they reported to the credit bureau that I owe them {$5600.00}. My Fico score dropped from XXXX to XXXX. When I called the Bank regarding this latest action, they told me that I MUST continue to pay my monthly lease until the issue is resolved. Hence, I resumed the lease payment to avoid further damage to my credit. 
I have called the US Bank loan department more than 20 times on this issue since XXXX, XXXX and the Bank is still unable to resolve this issue.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a third party check amounting to XXXX on XXXX XXXX The bank hold the check for 8 days while theyre verifying the check endorser which they did not verified because the phone nunber is not registered under the name of the check endorser. 
Now after 8 days the check cleared and they restricted my account. I can not withdraw the money or they can not lift the restriction unless they can verify the phone number i gave them. The problem is the endorsers phone number is not registered with his name and i can not do anything about it. 

Now the bank is closing my account and will hold the check until theyre able to verify with the endorsers phone number.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I received a call allegedly from the XXXX XXXX Department alerting me to some type of fraud. They sent me a code via text to verify my identity. They requested that I read them the code they sent. The person said they would take care of everything and contact me again the following week. I hung up and called my son because I was concerned about the call. My son immediately recognized this as a common scam and checked my Citi account online. We saw XXXX fraudulent charges for a total of {$500.00} which were pending. We immediately contacted Citibank and explained the situation and filed a fraud charge. We also attempted to file a claim with XXXX but they said I must deal with my bank. Citibank issued provisional credits and all was well until I received this letter. 

Again, I did not authorize these charges to XXXX. I did not use my phone or any other device to make these charges and I had my ATM card in my possession at all times. I notified Citibank immediately and before those funds were actually transferred out to the scammers. What else could I have possibly done? 

I am XXXX XXXX XXXX and I live on my XXXX XXXX which Citibank was made aware of. Although I filed an appeal the day I received their notice of denial, they took my money anyway. I need assistance with this.
Consumer complaint received 2023-06-06
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. (TX)

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.

The letters are stated with items and issues.

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 2022-02-25
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. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from worldmark by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

3rd. Per Us Law according to 15 us 1692c. We did not give permission for XXXX XXXX XXXX and the finance company ( comenity bank ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

4. Me and my fiance experienced discrimination from XXXXXXXX XXXX XXXXXXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to delete some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am being reported as delinquent on my community account XXXX due to no payment. As is well known by now, XXXX XXXX  has been down for weeks and no access to accounts and no payments can be made, not online, not by phone and not by customer service. As of today, payments and account access are still not available to be made or accessed. Thousands have documented this on XXXX and XXXX. XXXX had originally claimed only 2 days were affected, but many, like myself have not had access going on 3 weeks. I have never missed a payment and now this has a negative remark on my credit reports and my score has gone down significantly.