davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. My information was used maliciously which affected my credit card usage. 

I have made an attempt to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the reporting agencies to resolve this issue but i have not received any help. 

The agency and furnisher are in direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a charged off account reporting to all thr CRA with XXXX no date of last payment and no payment History leading to charge off being reported I have disputed this several times as well as provided additional documentation regading this account to only have the account update and verify with no changes being made to report. The account has never reprted a date of last payment or DOLA date they are going by the date the account charged off. the law states that no later that 90 days after reporting a charge off the furnisher must provide the month and year of the commencment of the delinquency on the account that immediately preceded the action. This account has not done that and should be deleted from my credit report.
Consumer complaint received 2023-04-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CO)

I had sent an email on XX/XX/XXXX asking if there was a way to lower the payments or settle for a less amount on this account. I did not receive a response so on XX/XX/XXXX I reached out to XXXX XXXX ( FCI Lenders ) to speak with XXXX XXXX regarding my account. He had stated he did not see my email. I have voiced my concerns many times before this interaction that the agreement that I had to enter to save my home from foreclosure before was not feasible for me as they were going off income from a year that a job I had paid a large bonus out for me staying on thru the closure. My payments went from {$210.00} to {$350.00}. I have been behind pretty much the entire time as this loan was initially obtained in XXXX when they were allowing subprime loans. This is the only 2nd mortgage company that has not been willing to work with me and the only one who went the opposite direction with the payments they went up instead of down. When voicing my concerns XXXX XXXX XXXX, his only solution is that I need to pay what is owed. I have been told there is no other option for me. In XXXX they were willing to take $ XXXX to settle the loan. At that time I could not come up with the XXXX XXXX. They rolled the unpaid interest and the unpaid principle into another loan which in the end is costing me a minumin on $ XXXX more. When I asked XXXX why they were the only mortgage company charging late fees during covid he stated it was because they do no get the kick backs from the government. Seriously? The way he talks to me is very condesending he is not empathic to anything his only concern clearly is that they make the most money they can. He stated the only way I could get a settlement was if I was a year behind which would not happen before foreclosure set in as they have already served me and charged me legal fees twice for foreclosure proceedings. It was stated to me that this mortgage is just like the 1st mortgage and when he asked me to call and see if my 1st would take a settlement I advise they are offering me a modification. This is not a company that is here to help anyone but there bottom line. I wish when they did my loan tranfsfer from the original lender it was a different company or an option to roll it in the 1st. It has been a nightmare trying to come to a solution or getting any kind of options.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My sisters penned my bank account number in their IRS statements and when first of them granted stimulus checks on my bank account, i found that capital one bank have restricted my account preventing me from withdrawing money or completing pending transactions on the XX/XX/2021.

More than 18 months later after many calls to figure out solution the bank asked me to visit a capital one bank along woth my sisters which i clarified it was not possible since we are now living outside the US ( in XXXX ). 
The bank then told me that some sort of investigation will be done on my recent activities and till now nothing have been resolved.
Consumer complaint received 2023-04-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DOSS Group, Inc. (TX)

-Started process XX/XX/2023 to refinance a property I own and wanted to change companies of the hard money loan I already have. I told the agents, XXXX XXXX and XXXX XXXX of Doss Home Loans , LLC, that this needed to be done quickly because of the charges I occur from the latter company monthly and I couldnt afford to drag this out over 30days. I was assured they would get this done in that time period as to not cause me more interest and finance charges. This is not what occurred. It is now XXXX XXXX, XXXX  and we still havent gone to closing. Also, some other actions were taken by Doss Home Loans agents that I believe werent needed or up to normal required or legal practices ; which include making us change the property deed out of my business name to my minority partners name without permission from the original lender, which I believe may be a requirement. I never wanted to do this is the first place but they said it had to be done. We were also asked to get several documents notarized that were already legal and filed with the state of Texas ( discriminatory ), these documents do not need to be notarized. This refinance loan was for DCSR for my business rental property. Because of this companys failure to complete this refinance weve lost thousands in potential rental income, its negatively affected my credit score, and weve incurred XXXX in additional mortgage costs & taxes. This has been very stressful and a hardship for me and my business.
Consumer complaint received 2023-04-13
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 Account # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX and has violated my rights. 

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

15 U. S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XX/XX/2023 I have been waiting for over 5 days for Bank of America to return 2 processed refunds in the amounts of {$100.00} and {$39.00}. XXXX ( manager ) & employee # XXXX XXXX both are denying that boa has received these funds already and said it could take up to 14 business days in order for this return to process to my checking account. I've already confirmed with the merchant that the funds have been released to BOA. Why does Boa have the right to withhold my funds for 14 business days? They are using my small amount of money to benefit off of for their own financial gains. I am not rich like they are and this is illegal. Something needs to be done about this immediately.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (NC)

I have already reached out to XXXX XXXX company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. 




This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the XXXX or XXXX XXXX. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and XXXX and XXXX XXXX called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Unauthorized Inquiries : XXXX CASE XXXX XXXX XXXX XXXXXXXX XXXX Transunion XXXX XXXX SERVICES XXXX XXXXXXXX XXXX Transunion XXXX XXXX XXXXXXXX XXXX Transunion XXXX  OF XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XX/XX/2023 Transunion
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 To Whom it may concern, Im writing, in regard to the above referenced accounts and transactions. This vehicle was charged-off by XXXX XXXX XXXX XXXX in the state of XXXX, XXXX XX/XX/XXXX and resold on XX/XX/XXXX. 
Under the laws of the state of XXXX  UCCs code, you will need to look this up and state XXXX  and XXXX  statues, a deficiency can not be claimed unless all the required were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof in provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCA and FCRA.

In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-13
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. (GA)

In accordance with the Fair Credit reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-11-12
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. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00}
Consumer complaint received 2024-11-14
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. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

XXXX continue to provide false information and now is stating that Lexis Nexis does not report the XX/XX/XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XX/XX/XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until Lexis Nexis sends them a letter stating it needs to be removed.

XXXX representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing Lexis Nexis has removed the Bankruptcy from their records, The need a letter from

Lexis Nexis telling them to remove the Bankruptcy. I'm not sure what Lexis Nexis is reporting to them but XXXX is the only Credit reporting Agency
that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact XXXX I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court, when asked for documentation they have no documents, and the others are stating as per Lexis Nexis. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX I'm requesting CFPB investigate what XXXX is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against XXXX.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/year>, Bank of America closed my accounts ending in XXXX : # XXXX. XXXX : # XXXX. XXXX : # XXXX and they don't give me an explanation about my funds and they don't return them to me.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2018-06-05
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: AES/PHEAA (GA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2023-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (PA)

This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. 

I notified this debt collect with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that that I REFUSED TO PAY THIS ALLEGED DEBT that Paramount Recovery purchased from another 3rd party debt buyer. Paramount Recovery and I never engaged in any form of business and I never contractually sign any legal obligation binding me to any allege debt that you spoke of in your letter to me dated XX/XX/2023. Therefore you do not have any original documents bearing any of my signatures, as well as the previous debt buyer whom you purchased this debt, had none either. 

I XXXX XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Paramount Recovery Systems L.P. is to CEASE and DESIST further communication with me and shall not! conununicate further with me with respect to this alleged debt in any form or fashion though any medium.

This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition for communication under FDCPA / FCRA it is define as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Any medium includes any oral, written, electronic, or other medium. For example, a communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media.

You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C.

1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018, my co-account holder, XXXX XXXX, made purchses from our joint Chase Bank Account Number XXXX. These resulted in a temporary overdraft. I was, as usual, working out of state testing railroad tracks. However, per Chase 's policy, XXXX XXXX transferred money from his other Chase account to cover the overdraft, before the XXXXXXXX XXXX. CDT deadline on the same day. Therefore, there should have been NO overdraft fee. However, Chase claims, erroneously, that the transfer happened after XXXX. Several accurate and official timekeeping sources indicated that the transfer was before XXXX. We, therefore believe that this was not a legitimate charge, that somehow, erroneously or deliberately, the timeline was manipulated. This has never happened before, this discrepancy. We beleive that this is in retalition for a complaint already on file with Chase, by XXXX XXXX, for lack of timely refinding of {$310.00} which had been fraudulently charged by a merchant recently.