davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX  is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TN)

I contacted Home Point Financial and spoke with XXXX, ID # : XXXX in the Loss Mitigation Department asked if the payment was due for XX/XX/2020 since I had completed the 3 trial modification payments. XXXX told me that " he could not tell me I needed to pay or not pay XXXX note since i had received The modification agreement because it was due for XX/XX/2020. However, you have to pay where you live. '' I asked him to explain that to me because I was confused -- either I needed to pay for XXXX or not. The loan modification letter states payment was due for XX/XX/2020 so I was only trying to get clarification. He repeated this to me. I asked him if I could speak with a supervisor because I wanted to make sure that I was going to be okay with my mortgage. XXXX advised that a supervisor was not available and took my name and phone number and said it would 3-5 days  before a supervisor could call me back
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lazega & Johanson LLC (GA)

Lazega & Johanson LLC is a company I don't know. I got a Police Report ( prev # XXXX Theft by Trespassing ) # XXXX ( Theft by Taking ) and FTC report # XXXX ( Identity Theft ) where I discovered the alleged debt accounts, judgment and lien on XXXX County without my notification nor any acknowledge. And they even attempted to take out money from my personal bank account on middle of no time, especially holiday times. 

I have sent this company my Police Report and request the verification of the alleged debt is mine on XX/XX/2019. Of course, they ignored my request by today. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, agreement, or anything with this company nor given permission to access my bank account to be pulled out money with this company. They made forgery document in court and surprisingly got a default judgment ( I could not response because I did not get public serve or any knowledge until they sent me a default judgment ). Illegal judgment made access my personal bank account and stole money as exactly as a rubber. ( once a fraud, forever a fraud. XXXX XXXX ) This debt collector named Lazega & Johanson LLC include XXXX XXXX XXXX and XXXX XXXX XXXX are unscrupulous and the law firm engages in trickery and extremely cunning, crafty fraud to bring serious white criminal. I saw 49 complaint against Lazega & Johanson LLC even this site on todays date. I am very doubtful whether they are in right response which is seriously take over the complaint and solved the issues. 
1. I want CFPB review their illegal forgery all documents and let Lazega & Johanson LLC stop criminal activities and return my money back immediately. 
2. Lazega & Johanson LLC made {$4400.00} forgery judgment against me and attempted take out from my bank {$5300.00} plus {$5200.00} plus {$4400.00} without taking a breath. 
3. Request Cancellation of Judgement and Lien against me instantly 4. Otherwise I will claim against them monetary damage and misusage of my name 5. And Public notification 6. Bring all unscrupulous individual to Federal court Criminal Trespassing definition is not only included real estate property, but also constituent property included monetary property. 
Crime Classifications, Sentences, and Penalties ( Georgia Code 16-7-21, et seq. ) Criminal Damage to Property, 1st Degree :  Felony ; 1 to 10 yrs. in prison, plus fine. 
Criminal Damage to Property, 2nd Degree : Felony ; 1 to 5 yrs. in prison, plus fine. 
Criminal Trespass : Misdemeanor ; up to 1 yr. in jail, plus fine.

Attached 1. Police Report 2. FTC Report 3. Criminal Trespassing Law in GA Definition, Sentences and Penalties 4. XXXX XXXX XXXX Lazega & Johanson LLC Corporation XXXX
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital Bank is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. Capital One is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

XX/XX/20 I tried to temporarily lift a freeze on my credit with Experian and they are forcing me to mail a letter with a copy of my license, social security card and a bank statement. 

I have the correct personal information and freeze PIN number to perform this online but their site keeps telling me I have to mail a letter and all of this sensitive information with no explanation as to why and no way to contact them for help otherwise. 

This is outrageous, and these companies should be required to provide assistance for this. These " bureaus '' should not be for-profit businesses to start with, and they should not be allowed to hold up my transactions with this snail mail ploy.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Todays date is XX/XX/XXXX. On XX/XX/XXXX I gained two points in EXPERION in  XX/XX/XXXX the two points removed. The only thing negative there is on my Experian file is in the score factor That that claims that I have a mortgage That is not true but after 14 attempts a year and one month The people at EXPERION Refused to remove the incorrect information, The strategy Experion use Is the transfer you from membership to disputeIts saying the other is the department that can remove The probably information And I have been continuing this game for one whole year. So ask what was the date that this report originated. That proves that what I am saying was correct. Then to my surprise XX/XX/XXXX the information was changed. Secretively To say no activity on my mortgage. Then they told me to contact the ( FCRA ) lol that is a get off the phone tactic. This is the Issue there was A mortgage that did not belong to me that was removed in XX/XX/XXXX and the mortgage was higher than average. EXPERION remove the mortgage but did not remove mortgage influence from the score factor.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My TransUnion credit report shows several fraudulent inquiries for my credit information, from companies from whom I did not request credit. My credit report also shows false addresses and phone numbers. I have called TransUnion to report this and they say that they will not remove the fraudulent inquiries unless I call each financial institution and have them give me proof that the inquiry was false. 

This is a ridiculous process that will take me a lot of time, but I did try it. 

However, the information for one of the financial institutions that made a credit inquiry is inaccurate. It is for XXXX XXXX, but neither the address nor the phone number is correct. TransUnion lists them at XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX. But when I call, the number is not XXXX. And XXXX maps does not have anything for that address. 

What am I supposed to do about this? I am furious that TransUnion is so unhelpful. XXXX  took the credit inquiry off of my credit report based on my complaint.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (FL)

I applied for the JetBlue MC back in XX/XX/XXXX through an application given while in flight and collected before landing ; a few weeks after applying I received a letter from Barclays stating that I could not get the card because the terms offered on the card that I applied for ended. A couple of days later I received another letter stating that they could not approve the card because my record on one of the Bureaus ( My credit is actually really good ). Then a couple of weeks later I received a JetBlue Card offer, which I completed online using the provided Personal ID Code on the offer. Today XX/XX/XXXX I received a letter stating that my application ( # XXXX ) was denied because " Too many recent applications ''. I only applied once prior to the most recent time, and was told that the offer was no longer available. I have made attempts to contact Barclays Customer Service and at this same time have been kept on hold for 1 hour and 41 minutes. They are using deceptive marketing practices, apparently discriminating in the application process, because there is no reason why I should be denied. You can contact me at XXXX
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (GA)

I made a payment on the day before my statement closing date of XX/XX/2020, my payment was made with guaranteed funds and before the XXXX cst business day cut off to post that day. The company did not post that payment and even tho I notified them, sent inaccurate information to the credit bureau knowing that they were reporting incorrect information. I was also charged interest and a late payment fee per the representative, after speaking with a supervisor name XXXX who refused to take any action to prevent the delivery of incorrect information from reaching the credit reporting agencies and also continued to say the cut off was XXXX cst when I Refered to the disclosure where it stated XXXX she refused to send the documents showing XXXX. I have attached the disclosures, refer to page XXXX on payment posting.
Consumer complaint received 2024-10-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Szuba & Associates, PLLC (MI)

This is in regard to complaint XXXX. I requested debt validation from Szuba & Associates and they have taken over 30 days. My signature was forced and the attorney XXXX XXXX is stating that I signed when I had no knowledge of a court date. I am attaching a copy of the letter that I have sent this company as well as the letter that this company has provided to me. If they were truly hired to collect this debt it shouldnt take this long to provide the documents I am requesting.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

On XXXX Credit Card account ending XXXX I settled and closed this account in 2013. The high balance was {$1600.00} ( see attached statement dated XXXX ). After agreeing to settle and close the account XXXX has continued to report a high balance of {$13000.00}. I have disputed this many times to all 3 reporting agencies. Last fall I initiated a dispute with CFPB which triggered a change in reporting. However, Now XXXX is reporting a high balance of {$13000.00} in XXXX ( see attached report from XXXX  ). Not only are they still WRONG they have moved the date this will clear from my credit reports 4 years into the future further damaging my credit. Please help me get this cleared up. It is high time this account is completely removed from my credit reports.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX   XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-10
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: DISCOVER BANK (NV)

I lost my discovered mile card and i was on the phone with them over an hour, and some department told me that nobody can't told me to which is a lie!!! since the customer service did talked to me and went over some unauthoriezed transaction ... .. and the job isn't completed i'm just fed up with them discover is treating me horrible. please help me with these unauthorized tranaction, i myself can't even log in to see it the last time i had it was at XXXX  which was on XX/XX/XXXX
Consumer complaint received 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Complaint # XXXX This complaint is not resolved. The loan servicer continues to send me incorrect information in response to the Question " Who owns my loan? '' Rushmore has told me the owner is XXXX XXXX  on approximately 10 occasions. However, XXXX XXXX  has clearly told me and Rushmore that they are not the owner nor does XXXX XXXX  have any authority to make any decisions regarding my loan. This also conflicts with Rushmore 's statement 's as Rushmore has told me they speak with the owner regarding the decisions on my loan - including loan modification, payment proposals, and foreclosure. 

Please help me as Rushmore continues to give me the wrong information and then pretends the issue is resolved. An incorrect response is not acceptable.

Please help me get this resolved as Rushmore has also made multiple miscalculations on my loan balance and is then using this incorrect information to begin Foreclosure.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Since XX/XX/2019, when my identity and cards were stolen, Citi has reissued new credit card numbers and cards for my Costco credit card account, but has repeatedly allowed the thief to make purchases on XXXX using THE NEW NUMBERS because the credit card is somehow automatically updating. We think the thief, XXXX XXXX, who poses as a XXXX XXXX and XXXX from XXXX, is an XXXX  getting deliveries of XXXX. I'm tired from constantly getting fraud alerts and sitting on hold refuting new charges he makes. Now there are new fraudulent charges on my statement. XXXX has used the number XXXX. XXXX voice number.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On this date XXXX I went into the bank to close my account an was told to do it over the phone but as I try to do so my funds was closed while I still had XXXX in my savings I withdrew XXXX an still had XXXX in my savings an it disappeared an they said they camera doesnt go back to that date but they was giving me the run around like they was sending me a check for the remaining amount that was left in my account that was sense XXXX an when I came to the bank they just kept giving me the same run around
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 Bank of America allowed a person to present themselves to a branch teller and cash a check, made out to me, in the amount of XXXX. The bank claims that my debit card and PIN were used and considered by the bank as valid forms of ID. The bank claims that it is not their duty to ensure the legitimacy of the signature or the check itself simply because this person had my PIN. The banks position is that because I am the victim of identity theft that I am liable for their lack of security protocols. They claim that being a victim of theft makes me negligent! 

I discovered fraud on my account the night of XX/XX/19 and made a claim with the bank on the fraud on XX/XX/19 ; Claim # XXXX. I subsequently discovered, through my own investigation, that the check that was cashed was flagged as part of an ongoing fraud case with the City of XXXX XXXX, who allegedly, issued the fake check. That case number was released to me and I gave it to the bank to investigate further. I then met with XXXX XXXX at the his branch and he convinced me to continue to do business with the bank and that he would ensure my claim was properly handled. He got a credit issued to me and opened a new account with the bank, claiming it was the only way I could get my money back quickly. I complied and opened another account. 

The investigator never called me at any point to verify that I did not cash or authorize the cashing of a fake check. The check itself was not signed or endorsed by me and no one else is authorized to use my account to withdraw funds. The bank is now refusing to give me details of the investigation without law enforcement yet, when I contacted their legal department a woman named XXXX literally hung up on me. 

The bank has now denied the claim and stolen half my checking account and my entire savings claiming that the PIN is their defense to giving my money away to a stranger. This transaction was an error on the bank 's part and violated reasonableness standards in business practices. They have since refused to return the funds claiming all I can do is wait while they fake another " investigation ''. They also have video they are refusing to allow me to watch!! They have asked for further investigation after multiple complaints and are now processing another claim # XXXX and I provided an additional police report case # XXXX with XXXX XXXX police. Please help me get my money back from this bank!
Consumer complaint received 2020-01-10
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. (CA)

I have contacted Transunion at least five times in the past two months.They have refused to correct the info on my credit report which is affecting my scores. The people working there are rude and incompetent and they are not doing their jobs. 

My credit card companies XXXX XXXX XXXX  and XXXX XXXX   have both contacted them and given them the correct balance and credit line information yet they refuse to do anything about it. I have been rushed off of the phone, hung up on and even threatened with my account being removed from their report which would affect my score. 

It has been more than 30 days since I submitted my disputes and nothing has changed even though XXXX  and XXXX  both have the correct info. This is creating a very stressful situation for me and I am very concerned as even though I have a high credit score, I need access to lines of credit and these inaccuracies and lack of up to date reporting are affecting my ability to do so.
Consumer complaint received 2019-05-29
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: Experian Information Solutions Inc. (MO)

The following inquires I have absolutely any knowledge of, ( 1 ) XXXX   Card XXXX, ( 2 ) XXXX XXXX , ( 3 ) XXXX XXXX