davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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. (AL)

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

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX of my credit card I have set up auto payment. Recently they will not let you enroll an amount over the minimum payment. You must log back on to the site after the minimum is made to make additional payment over the minimum. If you do this. Then what they do the next payment cycle is reduce your minimum by the extra you paid over the last months minimum. Example- if minimum is XXXX a month due on the XXXX. Your auto payment will be made for XXXX. They will not let you set up any amount over the minimum so you must log back on after the XXXX and make another payment. If you make an additional XXXX on the XXXX. They will then reduce your next months minimum to XXXX. Or if your amount you pay is twice the minimum or more they will not take out any funds the next month. Thus forcing you to log on once again to make a payment, because they will not auto pay that month.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I had my account hacked by my daughter I advised Navy Federal Credit Union of this fact and we set up a password, anytime I call in or any money is transferer the customer service reps has to make sure I use the password. After setting this up my daughter was still able to transfer money from my account to her account. 
XX/XX/XXXX {$79.00} debit card XXXX XXXX, XX/XX/XXXX {$93.00}, {$2000.00} denied my fraud claim, XX/XX/XXXX transfer from checking to XXXX {$2500.00}, XX/XX/XXXX {$1000.00} transfer to XXXX  ( this is the person who hacked my acc ), XX/XX/XXXX XXXX check # XXXX {$1100.00}, XX/XX/XXXX {$1000.00}, XXXX XXXX {$17000.00} XXXX, transfer to XXXX  {$1600.00} XXXX transfer {$2300.00}, XX/XX/XXXX {$500.00} & {$400.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX {$1100.00}, XX/XX/XXXX {$65.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX {$900.00}, XX/XX/XXXX trans to XXXX XXXX {$95.00} XX/XX/XXXX {$1600.00}, XX/XX/XXXX {$100.00} XXXX XXXX, XX/XX/XXXX {$120.00} XXXX XXXX, XX/XX/XXXX {$80.00} XXXX XXXX, XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$400.00} XXXX XXXX to XXXX, XX/XX/XXXX {$500.00} XXXX XXXX XXXX, XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$200.00}, XX/XX/XXXX, XX/XX/XXXX transfer from checking XXXX from XXXX  XXXX  to XXXX XXXX . then she XXXX it {$850.00}, XX/XX/XXXX XXXX XXXX  {$120.00}, XX/XX/XXXX {$200.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX XXXX {$100.00}, XX/XX/XXXX trans to XXXX XXXX XXXX {$2500.00}, XX/XX/XXXX {$50.00} XXXX XXXX, XX/XX/XXXX XXXX, {$5.00} XX/XX/XXXX XXXX {$5.00} XX/XX/XXXX $ XXXX {$5.00} XXXX, XXXX {$5.00} XXXX, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$5.00} XXXX, XX/XX/XXXX {$5.00} XXXX, XX/XX/XXXX {$50.00} XXXX, XX/XX/XXXX {$5.00} XXXX XXXX, XX/XX/XXXX {$85.00} XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX transfer to XXXX XXXX ( this is the person who stole my identity ) {$1000.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX {$120.00}, XX/XX/XXXX XXXX XXXX  {$5.00}, XX/XX/XXXX XXXX XXXX {$50.00}, XX/XX/XXXXXXXX XXXX XXXX  XXXX # XXXX {$1100.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX {$50.00}, XX/XX/XXXX XXXX XXXX to XXXX XXXX {$50.00}, XX/XX/XXXX XXXX {$5.00}, XX/XX/XXXX XXXX {$4.00}, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX {$65.00}, {$90.00}, {$900.00}, XX/XX/XXXX XXXX XXXX {$260.00}, XX/XX/XXXX transfer to XXXX XXXX {$95.00}, XX/XX/XXXX XXXX {$5.00}, XX/XX/XXXX XXXX  {$370.00}, XX/XX/XXXX XXXX XXXX {$65.00}, XX/XX/XXXX transfer to XXXX XXXX {$1000.00}, XX/XX/XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX, transfer from checking {$36000.00}, XX/XX/XXXX $ XXXX {$1600.00}, XX/XX/XXXX transfer {$2300.00}, XX/XX/XXXX wire withdraw {$4300.00}, reversed provisional creidt of {$2700.00} XX/XX/XXXX, I have voice recordings of XXXX calling into the bank playing like she is me and successfully transferring {$5000.00} without knowing my pass word that I set up with the bank to protect my account,
Consumer complaint received 2023-07-13
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)

The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, XXXX XXXX XXXX  who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, Attorney at Law will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

On Saturday, XXXX XXXX, 2015, I received an " Annual Escrow Account Disclosure Statement '' from Ocwen Loan Servicing , LLC for my primary mortgage that they service. The analysis stated that I could pay {$1000.00} to cover the balance that would be needed in the account. I promptly put a check in the mail on Monday, XXXX XXXX, 2015 for said amount. Several days pass, and I inquire every other day until finally on Friday, XXXX XXXX, 2015. After speaking with " escalation specialists '' on different occasions, and since Ocwen could not find the check, I put a stop payment on the check and provided payment over the phone. However, this payment was not applied to ESCROW, but to my principal. I called back the following week, several times to get it resolved, and the money was moved to a " Suspense Account '' and NOT to ESCROW. Enough was enough, I contacted an Ocwen XXXX and started the ESCROW closing procedure. There was a balance of {$1600.00} in this account at the time of the request, which was made the week of XXXX XXXX, 2015 via fax, ombudsman and USPS to cover all bases. The ESCROW account was closed before my next payment due on XXXX XXXX, 2015, and to their credit, Ocwen adjusted the amount of my payment drafted to only be P & I. However, Ocwen still had a total of {$2600.00} of my money at this time. Numerous phone calls again ensued. The week of XXXX XXXX, 2015, I finally receive a check for {$1000.00}, but I was still owed the ESCROW balance. The following week of XXXX XXXX, 2015, I received the ESCROW balance plus another {$1000.00} -- they overpaid me! After working and waiting for 2 weeks with an ombudsman, there is still no resolution. An inquiry into my account revealed that I finally have a negative {$1000.00} balance on my closed ESCROW account, and have not cashed the {$2600.00} check, but plan to on Monday, XXXX XXXX, 2015. I called Ocwen again today, Sunday, XXXX XXXX, 2015 and was told they have marked my account negative because " XXXX payments in the payments in the past 12 month period have been denied by the customers financial institution '' -- apparently, they finally received the check on which I stopped payment, and instead of looking at the notes on the account, they decided to keep trying to deposit it. I 'm not certain if this will negatively affect my credit or not. While this was going on, I have actively been looking to refinance with XXXX XXXX XXXX and hope to close the week of XXXX XXXX, 2015. With this pending action, my bigger concern is that there will be an over or under payment of the mortgage from the XXXX refinance combined with the money I owe them for the ESCROW they overpaid me, and this will take another XXXX 3 months to settle. I 'm also concerned with how they report my account to the credit bureaus once I pay off the loan. Simple processing and mathematics is lost on this company, and the Ombudsman have no way to contact the ESCROW department except via email.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IN)

Lets begin with me requesting Goldman Sachs to take the 5 disputes remaining from my closed account to arbitration months ago with Mastercard. 1 ) According to the FTC it is illegal to close a customers account if there is still open disputes, but they did. 2 ) After 2 re-disputes of a transaction it should go to Mastercard Arbitration per Mastercard policy. Well some of these disputes have been re-disputed 4 or 5 times. 3 ) This mess has been going on since XX/XX/XXXX which all the disputes were disputed in XXXX of XXXX. There were 8 disputed on XX/XX/XXXX, XXXX disputed on XX/XX/XXXX and on XX/XX/XXXX there were 44 transactions disputed. That is a total of 75 disputes and that is all I have disputed. So where they are getting all their numbers is beyond me. I have receipts for them all and have had 75 ruled in my favor and have proof of that, so dont know where these 5 disputes remaining came from, because I have not disputed any since XX/XX/XXXX, 4 ) As far as I am concerned this ACCOUNT IS TOTALLY CLOSED. 5 ) Are they adding disputes to get more money from me? They still owe me for the 13 disputes for {$1000.00} that they never credited my account. 6 ) On XX/XX/XXXX I received a phone call from Goldman Sachs regarding needing evidence for the remaining disputes. I told them they had to send me an email so I could send the evidence but after waiting all day I never received it, so I notified them per chat and was able to send the evidence through chat. The next morning I received an email from them ruling the disputes not in my favor so I re-disputed them. There is no way they had time to investigate the evidence, They were harassing me. 6 ) Today XX/XX/XXXX I received an email from them requesting more evidence for the re-disputed transactions and I resent all he evidence which is the same as I sent for the last 75 that have been ruled in my favor. I dont know why I have to keep sending the same evidence if they already have it. 7 ) This is total fraud and they have stated the merchant had contact with me and I authorized these transactions and that is a complete lie, I did not authorize any of the disputes that I have disputed. I have the merchants evidence and Goldman Sachs authorized all the disputed transactions by a name and address. There is no evidence of a charge card number, CVV number, password, or PIN number. I dont use Face ID or fingerprint ID and the IP address belongs to someone in XXXX XXXX over 400 miles away from where I live, I have proof of that. So it was not my device that was making the transactions so you need to do more investigating which you seem not know how to do. I had to investigate myself from the merchants evidence. That IP address on their evidence is NOT mine so it could not have been me making the purchases. 8 ) Your not getting another dime from me, you have stole all your going to get. You still owe me over 10 grand. 9 ) You are corrupt and cant be trusted!
Consumer complaint received 2023-06-12
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. (NJ)

I had a fraudulent credit card opened for XXXX XXXX in the amount of {$1200.00}. When I disputed this I submitted documentation from the FTC as proof that this account is fraudulent and they refuse to remove this from my credit profile.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2016-01-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

First off, thank you for your prompt attention to complaints.I 'm in the midst of a potential foreclosure, that i 'm trying to avoid.I 've requested a deed of lieu but was told I had to do a short sale.But any offers for my house were turned down by Bank of America, which leads me to believe they are deliberately trying to XXXX me.I 've tried calling the one number & it does'nt go through.The other number I 've used, I get no response from the csm.The house is scheduled for sheriff 's sale on XXXX XXXX
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-07-13
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. (CA)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXXXXXX XXXX/Account # XXXX, Account XXXX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX/Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NM)

Synchrony Bank Lowes Store Credit Card fraudulently reduced my available credit on the credit card ending in XXXX. They claim it was due to a recent review of my account. It was lowered to {$4400.00} which is what the balance due was currently at. I have had this credit card for many years and I am a credit worthy applicant. This is adverse action and I have not received detailed information on the reasons why Synchrony bank has done this which is against the law because I have the right to credit. I have always paid my balances due f and do not consent to this adverse action. I have sent a notice to Synchrony Bank about this and received no response from them regarding this issue. I have continued to faithfully pay my alleged debt owed.
Consumer complaint received 2016-06-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hollis Cobb Associates (CA)

My spouse ordered an item via the internet ( magazine ) but item was returned immediately. We have written and called the company every month since and never have received any type of correspondence from them. They are now referring to Bonded Collection Corporation. ( see attached letter ) and statement from XXXX,
Consumer complaint received 2015-04-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

I have a mortgage loan with XXXX XXXX in which I received a loan modification. The mortgage servicer is Seterus. In XXXX I filed for bankruptcy in court with my lawyer. 
My lawyer asked for a reaffirmation for the mortgage because I did not file the residence as part of the bankruptcy. I want to continue to live in my condo and pay my payments. 
The lawyer has not been able to get them to send the reaffirmation papers so the we filed a continuance on the Bankruptcy until those papers could be presented to the Court. 
We can not give them a date to complete the hearing without the reaffirmation papers. The lawyer has called several times with no response. 
I have also filed a complaint with XXXX XXXX on the mortgage servicer ( Seterus ) handling of this issue. The lawyer said he never saw any papers take that long or any company not respond they way they have. 
I am hoping to put this behind me soon. Can you help by getting Seterus to send the lawyer the papers. They have all the information to get the papers in the mail. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, GA ( XXXX ) XXXX