davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

I will start off with I've been made a mutiny of and i have been told lies and been deceived by credit karma and this situation really needs to be closely looked at, XX/XX/XXXX XXXX acc # XXXX Beginning Balance XXXX XXXX deposits and other credits XXXX XXXX withdraws ( XXXX ) ending balance XXXX Withdraws From Credit Karma checking from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX # XXXX BEGIINNING BALANCE XXXX XXXX DEPOSITS AND OTHER CREDITS XXXX XXXX WITHDRAWS ( XXXX ) ENDING BALANCE ( XXXX ) WITHDRAWS FROM CREDIT KARMA CHECKING FROM XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX MY ACCOUNT NUMBER WAS CHANGED ON THE XXXX OF XXXX AND WAS FROZEN AS OF THE XXXX NO RECORD OF OTHER CLEARED DEPOSITS SO IN LIGHT OF THIS MY XXXX ACCOUNT WAS FLAGGED AND ALL THE FUNDS THEY CLAIMED WAS RETURNED TO XXXX WAS NOT IT RETURNED BACK TO CREDIT KARMA AND ON STATEMENT REFFERS TO RETURN OF WITHDRAW UNKNOWEN THIRD PARTY I HAD REPEATEDLY CONTACTED THEM ABOUT THIS SITUATION EVERY TIME MY DEPOST WOULD CLEAR IT WOULD BE WITHDRAWN IMIDIATELY I HAVE OVER 9 DIFFERANT CASE NUMBERS FROM ME CALLING ABOUT THIS I THEN CONTACTED XXXX AND THEY SAID XXXX XXXX CONTACTED THEM CONSTENLY ABOUT THE WITHDRAWS AND SAID THAT THE ACCOUNT WAS FROZEN SO THEY DID NOT HONOR THE RETURNS AND FROZE MY XXXX ACCOUNT I HAVE TO FIKE A SEPRATE COMPLAINT FOR MY XXXX XXXX  DEPOSITS THAT CREDIT KARMA WAS AGAIN DOING THE SAME PATTERN OF FRAUD I HAVE MORGATE BEHIND 2 MONTHS CAR REPOSSED BILLS AND NOT TO MENTION BARROWING MONEY AND ALL INCURRING INTREST BECUSE OF THIS OUTLAW FRAUDULANT COMPANY I DEMAND THAT THEY BE AUDITED AND FINES AT THE MAXIMUM EXTENT POSIBLE AND PUNISHABE BY LAW IIM NOW IN ABOUT TO BE IN FORECLOSURE AND YET HAVE BEEN TOLD TO FILE DISPUTES FOR FALSE MADE CLAIMS OF FRAUD THIS IS GOT TO BE THE ABSOLUTE MOST MOCHERY IVE EVER HEARD AND SEEN IUN MY LIFE THESE CROOKS HAVE TO BE SOUGHT AND PUNISHED IM BEYOND LIVID IM IN A FINANCIAL CRISIS AND THEY STILL HAVENT GIVEN ME MY PROVISONAL CREDIT FORF THIS AND YET TO BE TOLD OR EXPLANATION
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Over 40+ transactions for $ XXXX was fraudulently charged against my account over the course of less than 24 hours. I filed them as fraud and the charges were refunded but now USAA is reversing those saying the charges were not fraud with no proof or anything. The charges were all in a 12 hour window, from the other side of the state, and through so many different methods. There is no way you can find these are not fraud. 

Now they are taking money from my checking account and going to leave me unable to pay bills.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank accused me of depositing counterfeit checks on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I went to TD Bank XXXX branch office on XX/XX/XXXX for a resolution of the counterfeit checks issue and debt. I worked with two TD Bank notary publics. The notary publics filled out an Affidavit of Forgery for counterfeit checks successfully and the checking account number was closed. The checking account has a XXXX balance or does not have a balance without the counterfeit checks. TD Bank says I have {$3600.00} balance. TD Bank referred the {$3600.00} balance to two collection agencies, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. I have done everything necessary to resolve the {$3600.00} balance issue with TD Bank and now XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX TD Bank insists I owe a {$3600.00} balance.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (FL)

Despite my previous request to each credit reporting agency for verification of the information on my credit report on XX/XX/year>, the discrepancies remain unresolved and ultimately came back verified and updated. 

XXXX XXXX XXXX is not licensed to collect debts in the state of Florida, which is a violation of both state and federal law. 

Florida Statutes Section 559.553, under the Florida Consumer Collection Practices Act ( FCCPA ), clearly mandates that any entity seeking to collect consumer debts within Florida must be properly licensed by the Florida Office of Financial Regulation. XXXX XXXX XXXX does not possess the necessary license to operate within the state, rendering their collection activities unlawful. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from engaging in deceptive, unfair, or illegal practices in the collection of debts. The collection activities of XXXX XXXX Services without the appropriate licensing are in direct violation of these federal statutes. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information reported to credit bureaus be accurate and verifiable. Given that XXXX XXXX XXXX lacks the requisite licensing in Florida, the account information reported by your institution is both inaccurate and unverifiable.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On or about XXXX XXXX I sent a letter to Experian along with a copy of my drivers license and social security card regarding two capital one accounts that they are reporting inaccurate information on my credit report. They didnt do a proper investigation instead they sent me a letter in the mail saying the letter wasnt sent by me when in fact it was sent by me. I dont know why they would say that when I sent the letter I even attached a copy of my social security card and drivers license as proof so on XXXX XXXX I requested a reinvestigation on the same two capital one accounts and I highlighted the errors attaching my credit report with them highlighted. I sent a letter to Experian with the tracking number attached to this complaint as well as I am attaching a copy of the letter I sent to them. They have failed to reinvestigate these accounts in which This is really stressing me out because I am having sleepless nights due to their inaccurate reporting and it is causing damage to my credit report. I am attaching everything I sent them to this complaint and would like this looked into asap.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my previous request to each credit reporting agency for verification of the information on my credit report on XX/XX/year>, the discrepancies remain unresolved and ultimately came back verified and updated. 

XXXX XXXX XXXX is not licensed to collect debts in the state of Florida, which is a violation of both state and federal law. 

Florida XXXX XXXX XXXX, under the Florida Consumer Collection Practices Act ( FCCPA ), clearly mandates that any entity seeking to collect consumer debts within Florida must be properly licensed by the Florida Office of Financial Regulation. XXXX XXXX XXXX does not possess the necessary license to operate within the state, rendering their collection activities unlawful. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from engaging in deceptive, unfair, or illegal practices in the collection of debts. The collection activities of XXXX XXXX Services without the appropriate licensing are in direct violation of these federal statutes. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information reported to credit bureaus be accurate and verifiable. Given that XXXX XXXX XXXX lacks the requisite licensing in Florida, the account information reported by your institution is both inaccurate and unverifiable.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). This did not happen.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$620.00} Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$800.00} Name : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$950.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (PA)

I have requested the company to help me out but I have tried almost XXXX months with this I sent a letter in May with the next statements and the documents attached and still nothing 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. 

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report.

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NETWORK CAPITAL FUNDING CORP (CA)

On XX/XX/XXXX, I was a round of inquiries from different lenders to get quotes and possibilities. Network Capital was one of them, and I simply wanted a quote with a soft pull, like the rest of the lenders were doing for me. Without my consent, they made a hard pull on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I called to try and remove the hard inquiry request, but they said they didn't have my application on file.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide validation, and the purchase agreement to show full ownership of such account and also any other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (SC)

KIKOFF LENDING LLC Charge Card with account XXXX XXXX  opened on XX/XX/year> and a balance of {$74.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 15 USC 1681 1681 I 1A,15 USC 1666B,15 USC 6801 ( 6802 ), 15 USC 1681 ( 602 ), 15 USC ( 604 ) ( A ) ( 2 )
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (WA)

I purchased my home in XX/XX/XXXX with Caliber Home Loans who sold my mortgage to XXXX XXXX, on XXXX I refinanced my home with Caliber Home Loans. on XX/XX/XXXX there was a deed of reconveyance filed in my county with an account number on it. 
XX/XX/XXXX there is a DEED OF TRUST recorded in my county with a completely different account number on it. 
I have attempted to get all statements of my account from Caliber Home Loans, I have also filed disputes with different agencies. Caliber Home Loans now has an additional account number on reporting on my credit report with another completely different account number on it. This is Mortgage Fraud and I have been disputing these accounts with this company and their affiliates since XX/XX/XXXX. 
In XX/XX/XXXX after I have disputed multiple times and asked for different information be provided by the company they sold my information to XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX recorded documents in my county XX/XX/XXXX after I disputed it multiple times and all of my affidavits and requests for validation of debts have also been ignored. This is a clear violation of the Violation of Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character and Identity Theft and securities fraud.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (TN)

I was not notified of the auction and what it was sold for as well as there are many discrepancies on my credit report that dont match the deficiency statement. Also Failed to send me a 1099c of the sale. Nothing on my credit file is accurate from their reporting.

15 USC 1681.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP (AK)

XXXX XXXX XXXX XXXX # XXXX. ( XXXX ) XXXX Aldridge Pite , LLP XXXX XXXX XXXX XXXX, XXXX, OR XXXX Filed this forgery robosigned false XXXX assignment on XX/XX/XXXX in the Federal District Court in XXXX in violation of criminal US code.
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JNR Adjustment Company, Inc (CA)

XXXX, I was in an accident, in Rhode Island , in a rental car from XXXX XXXX. The claim was submitted immediately to my insurance carrier, XXXX XXXX. On XXXX, XXXX XXXX paid {$8600.00}. XXXX disputed this and it went to arbitration. On XX/XX/year>, XXXX XXXX paid out an additional {$120.00}. On XX/XX/year>, I received a bill from JNR Adjustment Company, that states that I owe them {$6600.00}. No reason stated. It does state that I was not charged interest and I was not charged fees. On XX/XX/year>, I submitted this collection bill to XXXX XXXX. Today, XXXX XXXX informed me that my policy doesnt cover loss of use and Admin fees. The problem? There is no explanation what the fees are especially when the bills no fees were charged. Also, loss of use is expected in an accident. How is this determined? Is the loss of use because of the time it took XXXX XXXX and XXXX XXXX to work out a deal? Why is this debt being passed on the consumer? I have filed an email dispute with JNR. I believe this debt is deceptive, wrong, unfair, and illegal. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (WA)

I received a notice of a XXXX sale scheduled for XX/XX/XXXX in XXXX XXXX near the end of XX/XX/XXXX from XXXX XXXX XXXX which is dba XXXX XXXX. XXXX XXXX is trying to hold a XXXX Sale of my Private Property on behalf of Shell Point Mortgage Servicing and NEWREZ LLC. I returned the Notice to XXXX XXXX, letting the know that this was FRAUD and requesting validation of the Debt. I have been in communication with Shell Point Mortgage Servicing asking for the same information since XX/XX/XXXX and I have filed multiple complaints that seem to be ignored along with all of my affidavits, and validation of Debt requests. XXXX XXXX has not responded to any of my communications. My Private Property is still listed on multiple foreclosure sites and random people are knocking on my door and harassing my family along with taking pictures of my Private Property. it is Unlawful to auction off my Private Property without Due Process. The sale of my private property has not been decided in a Court of LAW. 
18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Deprivation of Rights under the Color of Law 15 U.S. Code 1692 ( d ) Harassment and abuse 15 U.S. Code ( e ) false and Misleading Representations 15 U.S. Code ( f ) Unfair Practices 15 U.S. Code 1692 ( f ) ( 6 ) ( a ) states there is no present right to the possession of the property claimed as collateral through an enforceable interest 15 U.S. Code 1692 ( g ) Validation of Debts 15 US Code 1 Trusts, ect in restraint of Trade Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. 
I have been disputing this Debt due to multiple Loan number filed with my county as well as reporting different loan numbers on my credit report all with the same date attached. As well as multiple companies sending me statements in the mail, I have 4 different addresses from Shellpoint Mortgage Servicing and NEWREZ LLC.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

A post was made on my friend 's XXXX by a scammer I messaged him and the impersonater said to send a down-payment so I sent XXXX by zelle on XX/XX/year> the next day I'm notified his account had been hacked money was sent to XXXX via zelle Spoke to XXXX they disputed with zelle ... zelle responds that I am responsible