davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

FHA Case Number XXXX XXXX Home sale closed XX/XX/XXXX. Interest charged by JP Morgan Chase to XX/XX/XXXX.  Expected refund for unearned interest. Bank said no refund due to FHA regulations. 

Loan open since XX/XX/XXXX. 

Looking for interest refund of a little less than {$600.00}. 

I hope to attach copies of the bank payoff statement reflecting interest charged and the settlement statement confirming the closing date. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Equifax provided they verified Bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/2021
Consumer complaint received 2016-08-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UMB FINANCIAL CORPORATION (NV)

In XXXX I opened a savings account with XXXX XXXX XXXX who has singer merged with UMB Bank at XXXX XXXX XXXX, XXXX, Kansas. According to UMB there is not record of me. I became a customer of XXXX in XX/XX/XXXX. In XX/XX/XXXX I opened a separate savings account with {$300.00}. I NEVER withdrew any money nor added additional monies to this account. I now want and need the {$300.00} plus earned interest for at the least 7years that the bank deemed it inactive. Thank you
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I got a call from XXXX at XXXX on XXXX. I also got a call from the same number a week before. XXXX was the phone number the voicemail left to call. The voicemail was an automated recording to call about a fraud alert. This was the same voicemail from the week before. When I called the week before, no info was provided to me. When I called yesterday, on XXXX, I spoke with a gentleman who said he was XXXX XXXX, that the company 's name was XXXX XXXX, that their address was XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. I did not reveal any personal information of ours, but that gentleman had a previous address of ours, but not current. I was informed that my husband had gotten a cash debt advance from Bank of America in XX/XX/XXXX ( which he did not ) and that unless I wanted legal action to be taken immediately, including arresting my husband, that he would need my debit or credit card info right then and there to pay off the debt. I refused and told him he could pursue legal action since my husband did not commit any fraud, nor perpetrated any crime, and since any statute of limitations would have passed on any contract claim, which was inapplicable since my husband did not have that debt.
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (OH)

XXXX XXXX and Government Agency regarding my deceased mom Government funds continually deposited into my mother 's account after she passed away ( four years ago ). Government sent reclamation, bank has not returned the funds, money is in account and always has been. Government has deposited, withdrawn, and re-deposited funds continuously. I have been told it is my problem, not the government or the banks! I DO NOT HAVE THE FUNDS, the bank is holding them, why do n't they return them???? I have now been turned over to collections, the amount now due is up about XXXX to XXXX XXXX ( fees, interest etc. ) They have also turned this over to my credit history. I have been called and threatened with arrest, garnished wages etc. I DO NOT HAVE THE MONEY, NEVER DID, I AM NOT ON THE ACCOUNT, HOW IS THIS MY DEBT? There is no missing money, it is in the account which I have no access to. It is not really a debt since the bank has not returned it, how is this my debt? I must emphasize to you, the money is in her account, I ca n't get anyone to resolve this. I am now facing legal issues ( and expenses ) for a problem not mine, not created by my mother or myself. We have XXXX huge agencies who have failed to do their jobs and I am being harassed and threatened for money that has never moved except for the government taking it and putting it back. Who is responsible for these transactions, not me. Why has this gone so far and for so long, seriously, how is this even possible. Please help me to resolve this and to have my credit restored. I continue to be humiliated, defamation of character, embarrassment, threatened and the mental stress of this has gone beyond imaginable. Someone please resolve this, I do not know what else to do.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

Rushmore Loan Management XXXX acquired my loan from from my previous lender in early XX/XX/XXXX. This is not the first time my loan service company has changed ; however, it XXXX the first time I have reached so many difficulties. XXXX did not make payments to my home owner 's insurance that I have had since originating the loan in XX/XX/XXXX. In XX/XX/XXXX I had an issue in my bathroom that required submission to insurance to be fixed. I then learned that XXXX had forced placed their own insurance with a much higher deductible. The insurance XXXX came to my property and investigated the claim which resulted in payment. The payment was made to XXXX and then I was issued a check for {$200.00}. The difference in the XXXX insurance deductibles ( my insurance vs. forced placed ) is a {$900.00} difference resulting in the repairs not being able to be completed. I have not endorsed the check as I am not getting the insurance benefits I believed I was paying for and these funds with my portion will not cover the repairs. 
I was also told by XXXX, when I found out and requested my insurance to be placed back on my loan, that it was completed. My insurance company, XXXX, as well as myself have attempted to simply add my insurance to the loan with no results. I will be trying again today.
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Dynamic Recovery Solutions, LLC (CO)

I received a phone call from Dynamic Recovery Solutions at XXXX. 

After calling me, they called my mother in another state. They told my mother should can pay the debt for me. 

No debt exists. All debts I owe have been paid.
Consumer complaint received 2022-07-14
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. (AL)

I submitted a complaint previously complaint number XXXX XXXX XXXX stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am XXXX  with a XXXX XXXX, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, Equifax and XXXX. XXXX XXXX needs to update my credit report with XXXX, Equifax and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (MO)

on XX/XX/XXXX I paid XXXX the balance on my Discover credit card. on XX/XX/XXXX I had an email conversation with a Discover rep, requesting that my account be closed. The rep indicated at that time that she had closed the account. 
Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of {$200.00} was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ XXXX ... they deducted {$40.00} from my payment for interest charges - on an account that I had requested be closed, after paying it down to a {$0.00} balance. The rep who told me the account was closed on XX/XX/XXXX made absolutely no mention that further charges would be applied to the account. I opened a chat with another Discover rep to request that, since my account was supposed to have previously been closed, my {$200.00} be refunded to me and the account closed. She did close the account, but is only refunding the {$150.00}. I feel that the entire {$200.00} should be refunded, as the account closure mistake was theirs, not mine. I have an email dated XX/XX/XXXX from a Discover rep confirming that she had closed my account.
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (TN)

CACH , LLC is on my credit report as the collector for XXXX. I, at XXXX time, had an XXXX credit card. I did a balance transfer in XXXX of my XXXX account balance to my XXXX XXXX XXXX Credit Card to take advantage of a lower interest rate promotion. The XXXX credit card was closed with this transaction. I closed my XXXX XXXX XXXX credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to XXXX until I could no longer do so. I stopped paying XXXX XXXX XXXX in XXXX or XXXX. XXXX XXXX XXXX this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX Federal Income Tax Return and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the CACH , LLC collection for XXXX I saw the error. Record of my XXXX balance transfer must have been made available in the post-merger XXXX XXXX XXXX files, sometime after XXXX merger of the banks. I do n't owe any money to XXXX. XXXX XXXX XXXX paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with XXXX for over a decade. I 'm paying whatever portion of the XXXX XXXX XXXX credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the XXXX credit card account, in monthly installments to IRS. At best this collection account is too old and XXXX stated mistakenly as the original creditor, so it would appear to be a separate debt from the XXXX XXXX XXXX credit card charge-back. CACH , LLC on behalf of XXXX appears to be using old, settled debt to pressure me into paying them money not owed by me.