davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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: Adler Wallach & Associates, Inc. (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

5 Q
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Top Asset Solutions, LLC (FL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc. (NJ)

I sent a notice of dispute to SELF on XX/XX/XXXX that I have not received a response to as of XX/XX/XXXX which is past the 30 day threshold and a violation of the FCRA. I disputed the inaccurate reporting of a late payment on my consumer report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. SELF alleged that I failed to make the minimum payment of {$25.00} on my credit card. This information is incorrect and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Please see attachment for further details.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I reported a fraud charge from solo funds to Chase for {$300.00}. I tried to contact the company and sent them multiple emails and I can not get anybody on the phone. I cant get anybody to answer any questions I have done business But I did not authorize the {$300.00} charge so Chase temporarily gave me my {$300.00} back and I get a letter saying that they are going to take the {$300.00} back out of my account because they researched it which they did not provide me the research that was done and that this charge for {$300.00} was authorized it was not an authorized charge and Im telling you this company you can not get in touch with them. My money was stolen and Chase did not do what they were supposed to do. I feel like I have been taken advantage of and that Chase is not doing a good job of researching so what do I do? Just {$300.00} is gone from my account forever. This is not acceptable.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

About a year ago an individual was withdrawing money out of my personal and business accounts at Huntington Bank. I closed out all of my accounts at Huntington Bank and opened business and personal accounts at XXXX in XX/XX/year>. On XX/XX/year> money was withdrawn out of my personal bank account and also my XXXX XXXX XXXX phone account was hacked, and a phone line was added to my family plan. On XX/XX/year> {$7500.00} was withdrawn from my business account from a XXXX branch in XXXX, PA and my SIM card was deactivated, and a new SIM card was given to that individual at an XXXX XXXX XXXX store in XXXX, PA. The account owners email was changed and the password was changed as well.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to remove theses inquiries of my credit report from TransUnion since I did not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
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)

Ive noticed that my credit report contains incorrect personal information, which has resulted in the appearance of accounts that are both unknown and inaccurate. This is deeply concerning, as it affects the accuracy of my credit profile and could lead to further complications.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (ID)

I was just contacted today about my account via phone with a message left by Alliant Capital Management that I need to return their call. A short while later they contacted a third party who is of no relation to me, not tied to the account, not an employer, and in no way knowledgeable on my account and left a message stating a call needed to be returned to them. 

I have given them no information in regards to other parties. Im aware of my rights and that it is against the law by the XXXX for them to call third parties, leave a message, and demand a call back.
Consumer complaint received 2024-09-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

I co-signed a student loan for my wife in 2014 with Naviet, with a 14 % interestrate. Since her graduation we were paying with little or no issues. Recently my wife was diagnosed with XXXX XXXX and is currently being treated. With a hefty raising medical bills, mortgage, and other necessity we are having a hard time paying the school loan. We contacted Naviet and requested some hardship considerations, as in a hold. We were not giving any consideration, instead, both my wife and I credit report was reduced to over XXXX points each. Please help.
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NJ)

My last Target monthly statement showed XXXX cents. So I inquired by writing to the CFPB. The amount was not XXXX XXXXents but {$69.00}! 

That is, Target lied and deceived in the hope that I would pay no real attention to the XXXX cents but I did and I got the refund! 

How crooked this Target company to deceive so! 

Fine XXXXXXXX {>= $1,000,000} and more plus interest and give it all to the poor whom they bilk and cheat and deceive! 

Nor do I want to receive any XXXX  if even these ignoramuses know what THAT means! Ignoramuses, that is, as to Honesty and Decency and Integrity!
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Upon further review it has come to my attention that I have been victimized by identity theft and there are currently two fraudulent accounts and four UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX ran it twicXXXX XXXX XXXX XXXXate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (KY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs Bank, specifically regarding my savings account opened under their Marcus platform. 

I successfully opened my Marcus by Goldman Sachs savings account on XX/XX/year>, and funded it with XXXX USD without any issues. Up until XX/XX/XXXX my account was functioning normally. 
On XX/XX/XXXX I received an email notification stating that my statement preferences had been changed, which I did not authorize. This raised immediate concern about potential fraudulent activity or a breach of my account. 
Upon attempting to access my account via the Marcus by Goldman Sachs app, I was met with a message stating that I had been locked out of my account and needed to contact their customer service. 
Concerned about potential fraud, I immediately called Goldman Sachs customer service. After being on hold for over an hour, I was informed by the representative that my account was being closed. No specific details or reasons were provided for the closure, except that it might be related to a security issue or suspicion of fraud. The representative mentioned that I would receive a formal notification within XXXX business days, outlining further steps. However, I found this lack of communication alarming. 
What concerns me most is that Goldman Sachs did not proactively communicate any security concerns, potential fraud, or issues with my account. As the account holder, I was never informed or given the opportunity to take protective measures, such as changing my password or verifying my account activity to ensure the security of my personal information and funds. 
When I asked for a reason why my account was being closed due to " security reasons, '' the customer service representative was unable to provide any clarity or additional information, stating that they could do nothing further. I was advised to file a complaint for any additional inquiries. 

Thank you for your time and consideration in addressing this matter
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

I do not believe the information reported on my credit report is valid. The balance on this account is showing as open and that is incorrect. I have tried handling this with the company but they refuse to take action or do what needs to be done to correct this and it has negatively impacted my credit score.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

I was told by the company, Freedom Mortgage, That I would be taken out of escrow by XX/XX/year>. I recieved a letter from the mortgage company stating that I could not be taken out of escrow because, according to the letter, I was past due on payments. I called the company on XX/XX/year> and the customer service agent confirmed that my account is not past due for any payments, nor have I ever been past due for any payments. When I asked if I could speak to the department that made that decision I was told no, but not too worry because I am not past due. If they continue to report that I am failing to make payments when I am, this could hurt my XXXX XXXX and have the potential to have my home XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (UT)

As a judgment against me, case # XXXX out of XXXX XXXX XXXX XXXX, is listed, but lists the account status as " Unknown. '' I have been denied housing and utilities on more than one occasion in past due to this record being inaccurate. As a public record, anyone can see that the debt has been satisfied, paid in full, in XXXX of 2012. As it seems that the credit reporting agencies do n't have the time to investigate what they report, I would appreciate the help in urging them to do so.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I received extension on bonus award for opening an account, which was extended to XX/XX/year> because of Chase 's failure to timely complete their security checks resulting in delays of using my card. I reached the {$4000.00} requirement. I called in XX/XX/year> to inquire about when I'd receive my bonus points of XXXX. They said they will have it. I visited their physical location around XX/XX/year> to inquire when I'd get it. They said I will have it by the next statement date ( XX/XX/XXXX or XXXX ). I still didn't receive it and called again. They said they will call me back with a response, but it's been over two weeks and they still haven't.
Consumer complaint received 2021-10-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates (IA)

Approximately 2 years ago, a company called SG Associates, also doing business as the Stafford Group on Credit Report began contacting both myself and my parents. This was regarding a vehicle bought by my ex-wife using false means in XXXX that I can not prove. Anyhow. The original loan was through XXXX. She paid for this vehicle using my VA benefits, which she had full access to. When I divorced her in XXXX, she was no longer on my benefits anymore. For almost two years, she lied and said her parents gave her said vehicle. Anyway. I was not contacted by these people for over 3 years. My credit counselor told me to let this debt drop off of my report. Stanford Group said they were attorneys. Threatened lawsuits, and also said they could call anytime they want. Anytime I have tried to dispute, I have NEVER received paperwork, but the consumer reporting agencies, buy their act. I never get to see why! I want them off and this company penalized!
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I have been on forbearance and am now trying to exit by using the partial claim/junior lien process . I have been in touch with Mr. Cooper representatives and they keep saying I owe {$25000.00} but my mortgage loan statement says I owe {$19000.00}, which includes the missed escrow payments. They have now sent me a letter stating the {$25000.00} amount will be on the junior lien. I have not signed anything yet because of the discrepancy but the end of my forbearance is XX/XX/XXXX. 
My escrow was included in my monthly payments but they are saying I also owe the escrow amount again. So I would be paying the escrow amount twice. Once, within the {$19000.00} amount and then again for the escrow balance of - {$5600.00}. I called Mr. Cooper again yesterday. I can't get anyone there to see my concern, they just say I owe it. I asked this to be escalated to a manager but they told me it would be 24 to 48 hours before they get back to me. In the meantime they are preparing the documents for the junior lien with the wrong amount. 
The partial claim " plan '' says the junior lien is for the amounts I did not pay during my COVID-19 hardship. What I did not pay was {$19000.00}, as of XX/XX/XXXX. 
Please see the attached documents.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I am writing to you for the third time. I have tried to contact the creditors and the credit bureaus and I have not gotten a response from you. I need you to please help me eliminate the following late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  What the bureaus are doing is a total mistake. I really need your help. It is affecting me in obtaining a house for my children