davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Fair Collections & Outsourcing by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , Fair Collections & Outsourcing is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Fair Collections & Outsourcing communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Fair Collections & Outsourcing has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Fair
Collections & Outsourcing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
Consumer complaint received 2021-07-07
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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (TX)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I have complained several times about posible merge of two accounts or may be identity theft to AMEX. 
I was noticing charges on my card that I never made and than someone was paying off the outstanding amount .I have brought to AMEX attention that charges are not mine and payments are not mine. 
Finally they closed the account with unpaid charges on my account and now they claim that this is my responsibility. 
AMEX failed to maintain basic Identity Fraud prevention procedures, did not maintain account privacy procedures and now frodulently pressuring me to pay alleged debt that I addressed sevral times as not mine.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

On XX/XX/2021 I mailed a cashiers check in the amount of {$19000.00}. They posted the payment on XXXX. This was a cashiers check paid out of an attorneys escrow account. They place an additional 10 day hold on these funds.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (UT)

Late in the day on XXXX, I transferred money to a person via XXXX in my chase app for tickets to an event in the amount of {$450.00}. On the morning of XXXX, the tickets had not arrived. I contacted the person via text who never responded. I then called them, they immediately hung up and blocked me. I immediately called chase bank to stop the transfer as it was a scam. Chase bank told me that because of the terms and conditions with XXXX, there were no actions that they would take. I then called XXXX, where I could not reach a person via phone. Via XXXX messaging with XXXX, they told me that they offer no protection to their users and I would have to file a claim with my bank. I then contacted chase via XXXX XXXX  and additional phone calls and was told repeatedly that they care for the customers but they made no attempt to obtain the money from the scammer. I was in contact with both companies less than 12 hours after the transfer occurred and neither made any attempt to rectify the situation and sent me on a wild goose chase with neither company having any accountability.
Consumer complaint received 2021-07-07
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: NAVY FEDERAL CREDIT UNION (TX)

I got these accounts that does not belong to me and i want them to be remove from my credit report. 

1. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

2. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

While I was in XXXX from XXXX, three fraudulent claims went through my checking account at Citibank. They were titled, " Bill Payment XXXX ADD MONEY '' for {$3900.00} on XX/XX/XXXX, {$6800.00} on XX/XX/XXXX, and {$9900.00} on XX/XX/XXXX. I first discovered this on XX/XX/XXXX, when I happened to be checking my mobile account and saw such a large amount withdrawn. I immediately called Citibank using my wifi calling ( I was on airplane mode during the whole trip ) and did not receive any two factor authentications or emails alerting me of such a large withdrawal. I told the representative this was not me and please be vigilant about my account. She assured me she would take care of it so when I saw another even larger amount that went through I was shocked that this was happening. I immediately called them on XX/XX/XXXX and told them this was not me and I changed my password right away. I was told this would be investigated and notified when there was a decision. On XX/XX/XXXX, I received a letter via mail that all claims were denied stating, " Our records show that you have consistently paid by means of Citibank 's Bill Payment Service and used an established device for the above vill payments, therefore you will need to contact our merchant directly for reimbursement if necessary. '' I have called paypal multiple times and they can't find any transactions for those amounts with my account info. Upon checking my account info I did see another number listed that I did not recognize and brought it to Citibank 's attention. There has been no mention of this during the investigation and I have just received another denial on XX/XX/XXXX after submitting a fax on XX/XX/XXXX appealing the first denial. I really need my {$20000.00} bank and feel a bit helpless at this point since they are not helping me at all and claim no responsibility with the money I entrusted them with. I have also filed a XXXX complaint on XX/XX/XXXX as recommended by my local police department. 

I need my {$20000.00} back from Citibank. They showed complete negligence for letting this happen three times, even after being alerted for the first two. Not only is the security subpar but also their lack of empathy as they just do not care about their customers. The incompetent investigation team should really restructure the way they handle investigations and should not merely accept what shows to be true on the surface. These are high level hackers that did this to me and I expected more answers and a deeper level of probing to get to the bottom of this.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IL)

This complaint is in regards to non response to my inquire to LoanDepot for a Credit/refund for increasing the closing costs above the legal limit. 
The question I asked XXXX XXXX was why we received a credit against our closing costs. 
His reply was 'there is a threshold that can not be exceeded for all mortgage loans in this area '. 
Our closing costs increased yet again ( substantially ) and I asked two times if we are due another refund or credit. Unfortunately, those questions were not answered. 
Closing occurred on XX/XX/21 but no disbursements have yet been made. 
Messages regarding the credit/refund were sent prior to closing taking place. 
All I want to know is if a credit/refund is ( was ) due for the closing costs going even higher and further exceeding the allowable limit in my area. 

I had to submit complaints to XXXX  and a previous complaint to CFPB ( # XXXX ) just to re-establish dialogue between myself and LoanDepot representatives since closing was delayed well over a month. 

Please help me answer this question. 
Thank you.
Consumer complaint received 2021-07-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CO)

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, Bridgecrest, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Consumer complaint received 2021-07-06
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NH)

I had 2 credit cards with XXXX  XXXX and I was laid off or put on furlough in XXXX of XXXX at the start of the pandemic and I opened the accounts in XXXX and never had a late payment until I was out of work and I tried to rectify the situation with XXXX  XXXX and they continued to assess interest and late fees until it got to an insurmountable amount for me to pay.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (IL)

XX/XX/19 I deputed victory secret and XXXX I wrote sprint telling them I never had a contract with the company, it was a refurbished phone. I paid cash for the phone. Victory Secret account they didn't respond too pay plan.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-07-07
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. (PA)

I have never given Transunion my written consent to report anything on my consumer report. 15 United States Code 1681b Permissible purposes of consumer reports ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
The accounts below as a consumer I am demanding you to remove these accounts once receiving this dispute.
Consumer complaint received 2021-07-06
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: ALLY FINANCIAL INC. (NC)

I have been going back-and-forth in between the credit bureaus and Ally financial as far as correctness problem with an account that is listed as close when in all actuality it is open I have tried to fix this numerous times the dates of the account are incorrect as far as it goes pertaining to the payment history and the current status of the account I have tried to fix this numerous times over the telephone with both the credit bureaus and also with Ally financial
Consumer complaint received 2021-07-06
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: Santander Consumer USA Holdings Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian states they receive verified information from XXXX XXXX they do not have any bankruptcy my file.Please send me proof.