davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; capitol one XX/XX/XXXX, capitol one XX/XX/XXXX, Capital one XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (VA)

The company inflated all payments paid and due on the 30 year mortgage of {$1500.00} payable for 30 years and fraudulently inflated the escrow amount paid from {$1800.00} which included {$300.00} escrow deposits, they stated that it did not receive enough funds to pay the {$1500.00} mortgage note and the {$290.00} due to pay monthly amounts on said taxes and insurance. The tax yearly amount totals {$2700.00} and the homeowners insurance totals {$710.00}, both totals {$3500.00} however, when devided by the 12 months an amount of {$290.00} must be deposited into the escrow account monthly as you can see a total of {$300.00} were deposited into my escrow monthly. The company states that I should make total payments monthly of {$1900.00} of which the {$1500.00} mortgage note would be deducted and {$390.00} deposited in escrow, as you can see the company scammed various amounts of money from my mortgage account for their own purposes, case in point the company on XXXX XXXX2023 suspended payment of said mortgage note of {$1800.00} placing said mortgage in default WHY? More than enough funds where already in my escrow account to cover all expenses additionally on XXXX/2023  I deposited $ XXXX XXXX my escrow account as well.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items removed from my credit report immediiately. I am attaching proof that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CA)

This loan is for a solar system that was installed to the roof of my personal residence. The loan was set up with a bank account that I no longer use and when I made an attempt to call Mosaic and spoke with a customer service agent in XX/XX/XXXX. I told a gentleman by the name of XXXX on a voice recorded call my new updated bank account and that moving forward, they should not use the previous one and remove it entirely from their systems. 

About two weeks later without any notice or warning, I had a representative from the property come to my house and enter my property on the side yard without permission and place a lock on my system. Unbeknownst to us, the payment that I had made an attempt to set up with the correct bank account did not go through in time and the previous payment that was scheduled with the prior bank account bounced back and created a late payment. I thought I had done everything possible to resolve this prior to this bank draft bouncing back. I made my account current immediately when I was fully abreast of the current issue with the bank draft. 

About a week after my account was made current, I received a notice from the credit bureaus that Mosaic marked my payment as late and my score took a significant drop. 

I called with Mosaic several times and spoke to different agents who had varying degrees of oversight on this sort of issue. Today, XX/XX/XXXX, I was able to speak with a knowledgeable agent XXXX, who put in a request to have my case reviewed formally with management. XXXX told me that what happened was my auto pay with the previous bank account was already in process when I had called in XXXX to set up the new account, so when it bounced back, even though I had given them the correct bank to use, it was out of their hands. 

I was on a recorded call doing everything I could to avoid this. And still, due to a formality they elected to report my account to collections and mark it late. 


So far I have yet to hear back from them and I am awaiting their response. However, the past two times after speaking with them on the phone I have had little success in resolving this issue on my own - I feel that this company and my experience with them is not in the best interest of their borrowers, and consumers as a whole. 


Moreover, the bigger issue at hand is that I feel this was a classic example of predatory and unfair lending practices. No attempts were made to call me to rectify this issue, notify me of the potential that this would go to collections. All over its been one of the worst lenders that Ive worked with, and their systems and notifications are not adequate enough to provide fair disclosure, notification and relief for the consumer.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I noticed that the Transunion report for me states that there are two late payments. One for the month of XX/XX/2017 and another for the month of XX/XX/2017. Being that I never received any written notifications within 21 days before either of the payments were due ( nor did I receive any other notifications at all whatsoever ) continuing to report them is a direct violation of the 1637b clause of title 15 U.S.C. 1666b of the commerce and trade law.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX : I received a call from Chase Fraud Services that notified my Chase Card had been closed incorrectly. The reasoning was that someone called in stating a card came in ( my card ) was opened incorrectly under their account. Chase then disabled my card without confirming my identity or notifying me prior. I was only called to be told they made a mistake and I needed to take actions to reopen my card. The Fraud Team then sent me to the Recovery team where I was asked to send documentation to XXXX. I completed the step by sending over my ID. 

XX/XX/XXXX : At this point, I started recording a few of my calls and called back with questions since I was shocked the previous day. The Fraud Department then transfers me over to the Recovery Team which has not been very helpful. I requested Fraud Department Complaint ID : XXXX and was never updated on how this issue would be fixed or resolved. 

Regarding my card 's reinstatement, I was told I'd get a call back within a few days as a followup and never did. After the new year started, I gave them over a week before I followed up. 

XX/XX/XXXX : I gave another call but did not write down my notes as they told me the process can take 2-3 weeks and to give them a call back by XX/XX/XXXX if there's been no changes. 

XXXX : Before XX/XX/XXXX, I wanted to confirm my request has made some progress but it was still on hold " In Review '' and now it can take 30-60 days. I requested to get added onto the email chain to get my account escalated but was told I am unable to since it's an internal tool. 

XX/XX/XXXX : I recalled and now the review can take up to 90 days .... and no one from the Recovery department can help me contact the person reviewing my case. 

This has been a frustrating process as my account was closed incorrectly and I really want access to my points that were on the card ( XXXX ) .... 

I have attached the recording from XX/XX/XXXX to this report. Thank you to the person who reviews this.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION is reporting that the account is terminated. I was only a authorize user on that account. The account is still active and the only change was the account number. 
account : XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/24, I got the message via email from Bank of America that I received a wire. According to the exchange rate on XX/XX/24 of XXXX, when the wire was processed, the amount I received {$16000.00}. should have been {$17000.00}, a difference of {$510.00}. 
On XX/XX/24, I contacted the lawyer of my father 's estate in XXXX to confirm the amount of DKK that was sent directly to my Bank of America checking account, as there was an apx XXXX difference according to rate exchange on XX/XX/24, when the wire was processed. The response was XXXX was the amount sent, not XXXX XXXX. 
On XX/XX/24, I went to Bank of America on XXXX XXXX in XXXX XXXX and soke to the manager, named XXXX. He kept insisting that the difference on $ XXXX the rate exchange difference. But actually, the rate exchange on XX/XX/24 was XXXX and the exchange rate on XX/XX/24 was XXXX. XXXX said he would look into this and I should come back XX/XX/24 at XXXX. Unfortunately, I had an appointment I could not reschedule. Later, I did drop off a Foreign Currency Exchange Rate Multipliers for the week ending in XX/XX/24 issued by the U.S. Customs and Border Protection for XXXX review. 
Also, on XX/XX/24, I spoke to Bank of Americas Wire Department and was told they had no information to give me about the transfer after 46 minutes and being put on hold, I was simply disconnected. 

I have documentation from the lawyer with the XXXX XXXX Banks statement. This is a problem with Bank of America, and I am unable to get any help from them. This is inexcusable as someone should have knowledge of where this {$510.00} is but no one seems to know or want to look into the matter.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the Fair Credit Reporting Act, it is essential to ensure that consumer reporting agencies carry out their duties fairly, impartially, and with respect for consumer privacy rights. TransUnion XXXX and XXXX, as consumer reporting agencies, are obligated to respect my privacy, as stated in 15 USC 6801. Furthermore, according to 15 USC 1681, these agencies must only furnish a consumer report based on the consumer 's written instructions, to which they do not have my consent. Additionally, 15 USC 6802 requires a financial institution to provide an explanation of how a consumer can exercise the nondisclosure option, which has not been provided to me. The agencies are also reporting adverse information without my permission, which is in violation of the law. Moreover, they are not maintaining reasonable procedures as required by 15 U.S. Code 1681e, and I am choosing to opt out of their reporting services, as allowed by 12 CFR 1016.7.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

On XX/XX/2023, I purchased a vehicle and extended warranty from US Auto Sales. Although the warranty was rolled into my loan, the payment was never made to the warranty company ( XXXX  ). My vehicle broke down XXXX weeks after I purchased it ; its doors were closed, and they did not make good on the XXXX XXXX XXXX warranty, nor did they pay for my extended warranty. I had to pay to get the vehicle repaired. At XXXX weeks, my vehicle broke down again. I had it towed to the mechanic and spent several months trying to get the vehicle repaired. XXXX refused, citing that they were never paid. When the account was transferred to Westlake Portfolio Management, they refused to address the issue, citing that they just service the loans and that the defunct US Auto Sales would need to be contacted to resolve the issue. Approximately 2 months ago, I contacted Westlake again, as they had reported a delinquency on my credit report to address the issue. They stated that a warranty was purchased and that I had access to it. This was some 6 months after my vehicle purchase. The mechanic recently reached out to Westlake to find out if they wanted to pick up the car ; the mechanic was told they did not want the car. US Auto Sales breached their contract, and I'd like this account moved from my credit report and the contract canceled.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am filing this complaint today regarding the inaccurate information tarnishing my credit report. Despite my repeated requests for resolution, it appears my concerns have been overlooked, prompting this assertive communication. I am not just a statistic but a victim of identity theft, requiring immediate and decisive action. As per FCRA Section 605b, you are obligated to promptly remove or block any account listed on an identity theft report. Enclosed are the necessary documents for swift action. The accounts in question, including U S DEPT OF EDXXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$570.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$45.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX XXXX  Balance : {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$400.00}, demand your immediate attention. FCRA Section 605B ( a ) mandates credit bureaus to block such information within 4 business days. Immediate and unwavering compliance is not just expected but demanded for the rectification of these errors.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ID)

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with XXXX XXXX XXXX XXXX, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I have not done any business with MIDLAND CREDIT MANAGEMENT ACCT # XXXX. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX  XXXX Balance Owed : {$48000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (MI)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (OR)

Received this and a couple phone calls from a different number as well. I'm pretty sure it's not legit ( and I don't even have an account with them ) You'll rcv acct msgs from Monarch Recovery Management - Debt Collector. # of msgs varies by acct. Msg & DataRatesMayApply.? 's call XXXX. INFO : XXXX XXXX XXXXXXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. To optout reply STOP