davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

To CFPB, This is XXXX XXXX XXXX and everything I state in this complaint is from personal first hand knowledge of this matter and is in regard to a closed complaint # XXXX LVNV Funding LLC. 

I am sending this complaint because LVNV Funding is continuing to report private information on my consumer report without any express or implied authorization. I deny owing this alleged debt. I do not have a contract with LVNV Funding as they are a junk debt buyer. They have purchased the alleged debt and will not show proof that they have a contract, proving security interest or claim to this alleged debt. Additionally, they have stated in the closed prior complaint, previously mentioned # XXXX that they were assigned this alleged debt. LVNV has provided hundreds of pages of the same alleged loan documents, which can not be proved to originals. 
I have asked on numerous occasions that LVNV provide the : - contract that assigned them this alleged debt stating I would pay LVNV Funding for this alleged debt, with my original wet ink signature -The original promissory not, which has yet to be produces for authenticity. 
-Proof of consideration from XXXX XXXX XXXX XXXX XXXX that I was loaned the alleged loan amount pursuant to 12 usc 1431- banks duties are to borrow. 
-Signed contract between LVNV Funding giving them permissible purpose to furnish my private information to a XXXX party affiliate in which I have no contract with. 

I don't owe this debt not do I know who this company is attempting to extort me to pay this alleged loan amount. I demand a affidavit from someone from LVNV Funding and it's affiliates stating they have first hand knowledge of the consideration given by LVNV Funding to state a claim or first hand knowledge from XXXX XXXX and XXXX Funding that they gave consideration and performed under for the alleged loan amount. 
Please review their attempt for establishing a right to claim an interest.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I reported my card stolen, deactivated it and requested a new card, which I never got. Instead, I got an alert on the app that the new card had been swiped at XXXX 's XXXX for XXXX. While the transaction was still pending, the bank told me they could not intercept it. They told me the bank automatically activated the debit card before I received it. I never requested or Authorized this activation. Is this legal?
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

XX/XX/22 amount XXXX Pursuant to 18 USC 8, I owe no debt this company is violating my consumer right to privacy pursuant to USC 15 1681 b 2 Company has no Permission To report anything using my info, pursuant to 15USC 1681 4
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened XXXX business accounts at Bank of America XXXX I order XXXX cards XXXX for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XX/XX/XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dear Sir or Madam : I opened a business account for Florida XXXX XXXX XXXX XXXX at the Fifth Third Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This account was opened because they promised great customer service and a personal experience. Opening this account was a very long process that took well over a hour. I deposited {$60.00} into my account and was told they had all the information and paperwork they needed. 

After opening the account, they informed me it would take 90 days to obtain a credit card, which was a large contributing factor into opening the account. I called the representative that promised the personal service. I called his direct number, and left a message for him to call. He never returned my call. I called the bank manager, and her supervisor, only to leave messages, and I did not receive a call back. At this point I decided to close the account. 

I was finally able to take the time to go into the branch and close the account, only to be informed it was already closed. They closed the account without notification, sighting they did not have all the documentation they needed. I was told by the bank manager they would mail me a check within 30 days. The check did not arrive. I was told by the branch manager, that there was a mistake made, and I had to wait an additional 30 days for my check.

I am not sure of the exact date, due to not having any records of the account. I have repeatedly requested this information form Fifth Third Bank, they say they sent it, but I have yet to receive it. Additionally, they said three times, that they sent a check for the {$60.00}, yet again, I have not received it.

At this time, I would like to file a formal complaint, and request a check for {$60.00} plus interest. I am out a total of 4.5 hours of my time dealing with this. Please call me at the number below if you have any questions. 

Thank you for your time and consideration.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I contacted FCO on XX/XX/XXXX in an attempted to settle my account. In speaking with them, they refused to negotiate a settlement with me. On a previous date, FCO contacted me and stated if I paid 40 % of the balance then it would settle my account. I asked if they would allow me to pay-to-delete and advised they would not. However they stated " it would be good for my credit '' if I pay the balance anyway and have it shown as 'paid '. They advised they would not delete and this was my only option. I spoke with the on XX/XX/XXXX and was advised now I would have to pay 80 % of the debt now and the previous offer had expired in XXXX. The personnel advised I missed the final time for that option in XX/XX/XXXX and now I would have to pay 80 %. She advised they will still not delete the debt even if I made the payment. I explained that Im currently in the process of buying a home but cant get approved due to this account. At this point, this company is causing me Financial Damages. My ask is for the CFPB to assist me with resolving this dispute.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I have been holding the phone for 30 minutes while a girl named XXXX in the business service center has told me she was calling another department but hasnt came back to the phone. I keep being lied to, I have called 5 times about 2 charges from XXXX  XXXX for {$5.00} and {$12.00} that were fraudulent and need to be removed from my account after being disputed. I was also told the 3 overdraft fees for {$36.00} each on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX would be removed. Instead of doing what your representatives promised they keep adding more late fees.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress  and XXXX. 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-05
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-05
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. (WA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-02-07
Product: Credit 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: JPMORGAN CHASE & CO. (WA)

I requested a refund from XXXX XXXX on XXXX  for premium overpayment, they claimed to refund it in XXXX separate transactions, XXXX to my XXXX XXXX card for {$2.00}, another one to my chase credit card for {$430.00}, I received the {$2.00} on my XXXX XXXX card the following day, but never saw the refund to my chase credit card account. I called the XXXX XXXX XXXX times since then, they insisted on the refund is processed and the money is returned. I called chase 4 times regarding the refund, they claimed nothing showed up on their end and they can't do anything. I contacted XXXX on XX/XX/XXXX and they said the dispute can only be handled at the bank level. So i am completely stuck among them and nobody can tell me where the money went.
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (NY)

The servicing of my mortgage was transferred from XXXXXXXX XXXX to Dovenmuehle Mortgage , Inc. ( DMI ), effective as of XX/XX/2023. In updating my payments, which I send automatically by check through my bank, I realized recent payments have been misapplied. I make my regular mortgage payment at the beginning of every month and I make an extra principal payment in the middle of the month. I have been doing this for years without issue. However, XXXX has incorrectly applied/failed to apply at least XXXX principal payments and has not been willing to help resolve the issue. I called Amalgamated about this during the first week of XXXX. The representative told me to discuss with DMI. I called DMI who told me that, because my mortgage had been transferred, DMI did not have historical information and to ask Amalgamated to send the last 12 months of transaction history to me and to DMI. I did so and received that information. I called DMI again on XX/XX/2023 at XXXX XXXX EST. The representative told me to send the transaction history to XXXX ( DMI 's " research department '' ) and to explain the issue so that they could resolve it. I did so on XX/XX/2023 at XXXX XXXX EST. I got no response. I have repeatedly followed up and have not received even an acknowledgement that my email was received. In the meantime, my principal payments have been misapplied as regular mortgage payments and my current mortgage payments are being applied an entire month early. This needs to be resolved before the end of the year. My principal amount is larger than it should be! It is unacceptable that I am being charged extra interest through no fault of my own and without recourse!
Consumer complaint received 2024-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am making a claim against Navient Student Loan Company. On XX/XX/XXXX, I submitted a debt validation letter to Navient requesting the original wet signature contract between Navient and myself, along with other documents to show if the loan was ever discharged. On XX/XX/XXXX I sent a second letter, a notice to cure to Navient again requesting the original wet signatures contract between Navient and myself, due to receiving no response. On XX/XX/XXXX, I received a statement from Navient, which included a copy of the Master Promissory Note that appears to be altered or manipulated, raising concerns about its validity. They were unable to validate the debt by providing original documentation and the on-and-off ledgers to show if the debt was ever paid off or discharged. Upon, further investigation revealed that Navient was not registered with the XXXX XXXXXXXX XXXX XXXXXXXX until XX/XX/XXXX. However, the company has been reporting on my credit since XXXX, as evidenced by my credit report with XXXX in XXXX. I also, noticed as of XX/XX/XXXX on my previous XXXX report, that they've been reporting since XXXX. This discrepancy raises questions about how Navient obtained and utilized my personal information without proper registration as a business entity.
Consumer complaint received 2023-11-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (IN)

I stopped paying my XXXX phone bill, due to non usage of the phone. I told XXXX that the phone had suffered damage and that I havent been able to use it correctly. This was back in XXXX of 2023. They wanted me to pay {$270.00} dollars, so I told them to cancel my monthly plan, that I wasnt staying with the company anymore. Well fast forward to today, they are still charging me. I have no desire to pay them, especially if I told them that after 6 years being with them, that I no longer wanted service provided by them anymore. That phone bill is too high, on top of that you are charging me for a service Im NOT using, for a broken phone. The the audacity.
Consumer complaint received 2023-11-22
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (VA)

I am submitting another complaint for the same issue. XXXX XXXX has put another debt collection on my credit report. I never had XXXX XXXX only XXXX. This account was unfortunately made without my consent by a family member. I am very tired of this popping up on my credit report when Ive made it known I did not create this account in my name. Please dispute and block this telecommunications debtor from putting this on my credit report ever again. Thank you
Consumer complaint received 2023-07-05
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. (NY)

I am writing to file a formal complaint regarding fraudulent inquiries that are persistently being reported on my credit report by XXXX. Despite my repeated efforts to resolve this issue, the false information has not been rectified, causing significant frustration and hindering my approval odds for various financial matters. I kindly request the intervention and assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter promptly. 

I have diligently followed the proper channels by contacting both the lenders, XXXX and Transunion to remove the fraudulent inquiries. However, despite providing supporting documentation and clearly outlining the fraudulent nature of these inquiries, XXXX and TransUnion has failed to take appropriate action. This has resulted in continued harm to my credit profile, impeding my financial opportunities and causing unnecessary distress. 

I urge the CFPB to conduct a thorough review of my case and exert its authority to ensure that XXXX and Transunion rectifies this situation immediately. The fraudulent inquiries should be promptly removed from my credit report to restore its accuracy and prevent further damage to my creditworthiness.