davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
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. (CA)

XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature.

3. In according with 15USC 1692 Validation of debt requires the XXXX must give the original contract with copy of the debt with their company name on it. 
4.1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and Permanent Disable Act ( TPD ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the Department of Veterans Affairs. 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit XXXX )
Consumer complaint received 2023-12-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: E MORTGAGE MANAGEMENT, LLC (NJ)

After simply refinancing my mortgage in person at this location in XX/XX/2015 a series of errors was performed by a crooked lender and title agent who claims that he " plays tricks XXXX XXXX XXXX '' so I would assume there would have to be a witch involved. Then after submitting an ENORMOUS amounts of complaints on behalf of FORTREN FUNDING located in XXXX, my loan then changed hands repeatedly while I was awaiting proper corrections to be made in my favor after I reported all these sorry individuals in this fraud for profit scheme conducted on behalf of my huge success throughout the years here in New Jersey. YOU WILL LOSE!!!!!
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I am an XXXX XXXXXXXX XXXX XXXX I have {$520000.00} in my Chase checking account. I was the victim of an XXXX XXXX scam which was detected on XX/XX/XXXX. The scam was reported to XXXX XXXXXXXX XXXX XXXX XXXX  Police and is being actively investigated by the FBI ( contact details can be provided upon request ). Since XX/XX/XXXX I have been trying to have the Chase checking funds returned to me. I have on numerous occasions visited the branch, phoned, etc ( details can be provided upon request ). I need these funds for living expenses and investment purposes. I am extremely distraught by Chase 's horrible treatment. Not only were they negligent in not noting the obvious signs of the scam, but they are adding insult to injury by not returning the money I have with them.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2023 I applied for credit with American Express National Bank as I received promotional mail to apply once I applied I was immediately denied. Despite their reasoning for my denial which caused emotional distress I as the consumer am entitled to credit. As per their SEC filings We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account XXXX XXXX ( the XXXXXXXX XXXX ) and American Express XXXX XXXX XXXX ( the XXXX Trust and together with the XXXX XXXX, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. 
In which I received no benefit as they commit securities fraud.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have contacted Equifax about a collection account on my credit report. I am unable to get in touch with the company managing this account because Equifax has not provided the necessary information for me to do so. I need to verify the debt and make it clear that this is not my debt, as it is adversely impacting my credit report without any evidence of its ownership.
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Choice Assets LLC. (MI)

Someone named XXXX called me on XXXX/XXXX/23 saying she was from XXXX XXXX XXXX and wanted to talk to XXXX or XXXX. Saying she will be in the office until 2 .I said this is a new phone number for me and she needs to stop calling me because I will say some unpleasant words..! Waking me up and I am XXXX. Talking stupid about a owed bill.I have a XXXX the phone number I was given was when I Lived in XXXX Va I guess whoever had the phone number owed someone money.
Consumer complaint received 2024-10-30
Product: Credit reporting 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)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2023-12-31
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. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/, at XXXXXXXX XXXX I received a fraud alert text from my bank ( USAA ) with three transactions. One of the transactions listed was made by me, which was a {$68.00} purchase at XXXX XXXX XXXX XXXX, VA. The second transaction was a {$100.00} purchase at a XXXX in XXXX XXXX, Maryland. The third purchase was a XXXX purchase at the same XXXX in XXXX XXXX, Maryland. I called USAA immediately after receiving this text to have my card canceled and file a fraud report to have the money that was taken ( XXXX ) refunded. I learned that the card was already turned off when the XXXX was attempted, so that money was not lost. On XX/XX/, I received notification that my claim was denied with no explanation why it was denied. I then called USAA ( I believe on XX/XX/XXXX -- I was in XXXX XXXX when the claim was denied and returned to the United States on XX/XX/XXXX ) to request the information that was used to reach the decision with the intent to file a report with the CFPB. The customer service representative instead had me file a second report to dispute the original decision. I received notification that the second Fraud report was denied on XX/XX/XXXX XXXX XXXX This representative I spoke to prior to the second report also provided me with additional information. After the {$100.00} withdraw, the person tried to check the balance of my savings account from the same location in XXXX XXXX, MD. I do not have my savings account attached to my ATM card and this is what triggered an alert and had the card turned off. There was then an attempt to check the savings balance from NJ, which also failed because the account is not linked to the ATM card. After they could not see the savings account balance, the attempt to withdraw the XXXX was attempted and failed due to the card being turned off. The second rejection stated that a chip was used, so it was not a fraudulent transaction. However, there is only one ATM card for my account, and it could not be in XXXX XXXX, VA ; XXXX XXXX, MD ; and NJ at the same time. I also would have no need to check the balance of my savings account because I can see it on the mobile app ( and know it is not linked to my card ). Even a cursory review of my account activity would show that I frequently make transfers to and from my savings account via the mobile app and would use that method to check the balance and/or access my savings account.
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I had a payment arrangement with XXXX XXXX that was incorrectly setup by the hospital. Because of this, no automatic payment was made and they cancelled the payment arrangement. XXXX mailed me a letter that got to me after the deadline for resolution, so they sent it over to Credit Control Corporation ( CCC ) for collection. 
Since this debt was due to hospital error, I requested validation of the debt from CCC. I sent the letter to XXXX. via Certified Mail with delivery receipt. They received the letter on XX/XX/XXXX. In the validation request I asked for : name/address of creditor, a copy of the original payment arrangement, copy of last billing statement sent to me by creditor, date they obtained the file, original amount of the debt, statement of additional interest accrued, and date creditor says debt became delinquent, among other things. I received partial information this week- They only sent me a Detailed Hospital Charges ( Detail Bill ) from XXXX printed on XX/XX/XXXX, which only includes current Balance Due and breakdown of services/dates. 
They are not giving me enough information to prove that I owe this debt to them.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I received your letter dated XX/XX/XXXX denying my request for assistance and denying my appeal for reasons that are unreasonable, you stated you that you wouldnt review my loan for workout plan because I received several workout plans in the past and that is NOT true, I have not received any workout plan since XXXX and that XXXX workout plan offered by a total different servicer then it was AHMSI whom went out of business, I didn't accept that offer, it was not a good plan or affordable workout so I did not accept and kept the original loan and luckily my loan was transferred to many different servicers that that I did not even know who was my servicer at that time and who I needed to negotiate my loan with and or send my payments to then, beside all that I was XXXX XXXXy and I was XXXX XXXX and I had no one here in the state to help me legally with my mortgage negotiations, few I hired from overseas scammed me and took my money and never called me once. so please I had no options or even a chance to redeem myself and redeem my home, please give me a chance and work with me, put me on a trial payment, look at the nature of this loan I have now and current market values and just give me a chance so I can catch up and take a breath. I have a family that suffered severely from covid on top of it, I have lost my elderly mom to XXXX in XXXX and almost lost mine too to XXXX XXXXast year, give me a break and stop being harsh to us homeowners we never intend to default on our mortgage but this mortgage was a bad loan from the beginning and I was scammed to accept it and I wasn't knowledgeable then on what I was getting myself and my family into when I accepted it.. I have submitted application with XXXX  XXXX XXXX  and it's in review for loan for assistance. please work with XXXX XXXX to find the best scenario that can make this work and not peruse forclosure actions as its illegal, I have contacted XXXX XXXX and they said they and they advised me you need to send them orders to rescind this sale. we are military family and thank you again.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (FL)

In accordines with fair the Credit Reporting act, the list of accolnts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportino agency canno furnish a account without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consume 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 yea 15 U.S.C 16818-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-27
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: LEXISNEXIS (PA)

XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Cascade CISS Holdings, LLC (CT)

I have been working with a mortgage lender who indicates that I have a higher rate quoted because my credit score is low. XXXX and XXXX have updated the scores on my reports, but XXXX ( who the lender obtained the report from ) has not updated my credit score/report since XXXX which has impacted my loan rate. 

I logged in and obtained a screenshot for your review- there is no valid reason why my score/report is/has not been updated in over 5 months and now I have to pay a higher mortgage rate with my lender for a property I'm obtaining. 

I will NOT tolerate this!
Consumer complaint received 2024-11-20
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: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.