davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (VA)

XXXX, CoreLogic, XXXX, XXXX XXXX XXXX. Are all in violation title 42 section 408 ( a ) ( 8 ). I have never heard of these reporting agencies yet they make inaccurate reports involving my social security number publicly. They deliberately act as a cabal to keep consumers in debt by reporting old and inaccurate reports. I had no knowledge of these reporting agencies were violating title 18 section 242 color of law
Consumer complaint received 2023-06-23
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

In accordance with the fair credit reported at the list of accounts below has valued my federal protective consumer rights to privacy and confidential under 15 USC 1681 account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
Lates payments. Any other negative information should never be shared with anyone. I have requested to opt out of any situation that put me at Jeopardy with having negative information reported or any one of these credit agent files, XXXX XXXX, XXXX, and Equifax any charge was that were related to my account never sent me a 1099 as stated inside of our credit rights and what the IRS had written on file, 15 USC 1681 section 602 ( A ). States I have the right to privacy.

And according to 15 USC 1681 EB, they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow responsibility to the max of accuracies of the information concerning the individual about whom the report relates.

15 USC 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other advers
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

My complaint was for the debt collectors COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX They said i owe a debt of over XXXX for apartment damages but this amount is way too much. Theres no way anything XXXX worth of damage was done. I did have a dog so there was carpet damage and a few things were left behind, but that it
Consumer complaint received 2024-10-02
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CT)

On XX/XX/XXXX a {$350.00} debt appeared on my credit report from Ability Recovery. I contacted the debt collector explain that I did not owe this debt as I was a XXXX  patient and the originator of the debt was a hospital who had my XXXX  information on file. Ability Recovery refused to help resolve this issue. As such, I contacted the hospital billing department and was advised they no longer had information regarding the debt so I contacted the phone number on the back of my XXXX  card ( XXXX  ) and explained the situation. The representative from XXXX/XXXX  confirmed that I was covered by XXXX/XXXX  on the date in question and instructed me to write a letter to XXXX XXXX explaining the situation and attach the information regarding the medical bill so that it could be researched. XXXX XXXX determined that on the date of service XX/XX/XXXX I was a CT XXXX XXXX XXXX recipient and that the provider in question was enrolled in CT XXXX. XXXX XXXX indicated in their response that the provider has been contacted and advised that they can not balance bill a CT XXXX  recipient. I submitted the response from XXXX XXXX to the debt collector and filed a dispute with the credit bureaus, but all that happened is the debt collector confirmed a debt that I can not legally be billed. I am attempting to prepare for a house purchase and want this debt that I do not owe off of my credit report.
Consumer complaint received 2019-12-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (AR)

ONCE AGAIN CHASE AND THE DEALERSHIP FAILED TO PROCESS TITLE CORRECTLY AND HAVE NO LIEN OR TITLE ON MY CARD. SEE LETTER FROM THE STATE.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

This company constantly reports inaccurate info on my credit report and its hurting my score, my job search and apartment. This company reports different info to each credit Union. XXXX deleted this account, because info was correct and I never was provided the documents to prove this is my account. XXXX and XXXX is still reporting this account so I want it removed. The only thing the company is saying is that its my account, I didnt receive any of the documents I asked for. Please delete
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc. (TX)

On XX/XX/XXXX, I closed on my XXXX XXXX. At the time XXXX 's XXXX was my mortgage company. A month later I was advised by XXXX 's XXXX that my loan was sold to Essex Mortgage. My original mortgage payments was {$3900.00} But when my mortgage was sold to Essex Mortgage, they my payment by {$100.00}. When I contacted them, they advised me that they were not taking enough out for my escrow. At this time I contacted the XXXX XXXX XXXX, because I felt I was being taken advantage of. I advised Essex Mortgage that I was tax exempt because I am a XXXX percent XXXX veteran. They told me to send them paperwork confirming it, and would adjust my payment. I sent the paperwork, but to no avail. 
So XX/XX/XXXX, I contacted Essex Mortgage and asked them why did my payment got up another {$200.00}. They told me that something changed. I advised them that my insurance did not go up and I am tax exempt. The supervisor XXXX told me to send proof and they would make an adjustment. 
Since XXXX of XXXX, Essex Mortgage has been steadily trying to find ways to increase my payment without any justification. 
I would greatly appreciated any assistance in investigating this matter.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC (CA)

Commencing on or around XXXX XXXX XXXX I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my CoinFlip account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

On XX/XX/2024 I wrote the following to Jefferson Capital Systems : I am writing to request validation of an alleged debt that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification and validation of any debt that is being reported or collected. 

Please provide the following information to validate the debt in question : 1. The original Assignment Contract 2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, fees, and any other charges.

3.Proof that the debt belongs to me and is not a result of identity theft or fraud.

4. Any other documentation that proves your legal right to collect this debt. 

Please consider this a formal dispute of the debt until you can provide the requested validation. I request that you cease all collection activities until this validation is completed. If you fail to provide adequate validation, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities
Consumer complaint received 2024-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OR)

I have two savings account with Citibank. One of my savings accounts was made in active while ago. I was told the only way I could make it active was a go to a branch or to send them a notarized letter. This particular bank has very few actual branches that are available to go to and none near me. a couple months later they also made my other things account inactive even though it had activity on it. I called them and they told me that I was not able to access it because my debit card was expired. I never received a debit card from them, so in light of this, I requested a new debit card. They told me they were going to send it out to me. One day later I get notification from them that they are unable to deliver this debit card to me. I called them and ask why and they say it's because I need to confirm my address which has not changed. I confirm the address. I still am unable to receive the debit card for some reason and every time I call they just tell me they are going to assure that it's on the way but then I get notification that it's not. So I am unable to access any of my money in both of my savings account, and unable to activate them I'm unable to transfer money unable to do anything with my money because they have it frozen.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

TD Bank has held my funds for over a year now. we thought the XXXX dollars I deposited in XXXX of 2023 were sent back to my boyfriends ( XXXX XXXX ) account at XXXX XXXX XXXX in XXXX of 2023. I guess I made a mistake by depositing the check in their atm. They said we needed to fill out a form, I had no problem signing any papers necessary. In XXXX of 2023 they said the funds would be mailed to me or sent back to the creator of the check. At that time, they closed my account with my funds still not returned. Since we didn't receive a check, we thought the funds were returned to XXXX XXXX. Little over a month ago we needed the money to pay bills loans etc. Called XXXX XXXX to withdraw funds and found out the money was never put back. Now we were in a serious bind, started calling TD trying to get my money because the electricity was shut off, loans are now past due. They had me go into the TD brank in XXXX XXXX to close the account that was already closed and get the funds. That never happened had me calling the fraud department person after person. Everyone has lied to us. They told us fund were put into a XXXX  account. then they told us they didn't know where it was. I had a 3way call with TD, XXXX XXXX and myself to verify funds. nothing has been done to date. Im still without power no food ( except from XXXXXXXX XXXX ) bills piling up. Please help XXXX
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Calls made before XXXX XXXX, also repeated calls to my workplace despite my repeated ask not to. Refuses to give me information over the phone about the debt and instead only asks when I am making a payment and demanding it be a certain amount, repeatedly asking for credit card/method of payment. I asked to have a notification mailed to my home and still have never received anything that shows what the debt is or provide proof this is a legit debt collecting agency.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Account # XXXX To Whom It May Concern : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I tried sending two letters, one certified in XXXX to the address listed on my XXXX credit report. Both items were returned to me and the incorrect address is still listed on XXXX. Im unable to properly dispute an alleged collection due to their inaccurate frankly misleading information. Ive attached certified tracking and proof Ive tried to address this issue.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

I opened a joint Savings account with Marcus by Goldman Sachs several months ago. My partner and I both make deposits into this account from our respective checking accounts. On XX/XX/XXXX, I tried to withdraw money from the account in order to pay our bills. The transfer was reversed multiple times ( on XX/XX/XXXX and again on XX/XX/XXXX ). I contacted the company multiple times and they could not give me an answer as to why the transfers were being reversed. My partner and I called Marcus together on XX/XX/XXXX and were told that because we had each deposited money into the Marcus account, the money could only be withdrawn into the account it had came from ( so my portion of the money would need to go back to my checking account, and his portion would need to go back to his checking account ). An agent from Marcus processed these 2 transfers for us. On XX/XX/XXXX, an agent contacted my partner and said that my transfer was reversed ; again, we did not receive a satisfactory answer to why the transfer was reversed. I have tried calling multiple times and each time I am transferred 2-4 times and ultimately not given an answer as to why the transfer is not going through. I need to withdraw the money I placed into the account to pay my bills, and Marcus is not providing answers and not allowing me to withdraw my funds. It is unacceptable that I can not withdraw the money that I placed into the Marcus account when there is a clear paper trail of the exact dates I deposited the money and where it came from.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have repeatedly asked Portfolio Recovery to validate the debt that they say I owe them. They have advised that the debt meets FCRA requirements but still have not provided me a validation of the debt or a contract with my wet signature. I have been a victim of XXXX XXXX and have also had my personal information exposed in at least XXXX XXXX XXXX in the last XXXX  years.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

In the 2nd to third quarter of XXXX I contacted the CFPB because Chase bank Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX  I contacted CFPB and asked Chase bank to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (GA)

Mortgage loan was sold to specialized loan servicing after closing. We went to pay it off XXXX in FULL/SATISFIED the mortgage completely! I did receive letter of mortgage satisfaction from them. They even filed it with XXXX XXXXXXXX XXXX and that Government agency recognizes it as paid IN FULL/SATISFIED {$0.00} balance! My credit report did not updateso I called them to request that they report it for me! They flatly REFUSED and said I had to dispute it! I have done so multiple times and when the credit agencies try to get confirmation based on my letter of satisfaction.all that gets sent back is that the loan is open status unchanged and it is current with almost XXXX XXXX dollar balance reflecting! IT IS WRONGit is a ZERO BALANCE! They got my money!! I need this fixed. It somehow feels illegal! The only thing that I can figure is that on the day that I sent the FULL payoff, Specialized Loan Service was absorbed by another company called Shellpoint which is a subsidiary of Newrez! SLS no longer exists as it is now a part of Shellpoint and Shellpoint doesnt feel the need to report this payoff to the credit bureaus.as they are a debt collector agency apparently! My credit is impeccable resting normally over XXXX is messing with my credit showing erroneous outstanding balance of almost XXXX a XXXX dollars! I am a XXXX patient that doesnt need this stress. Please HELP. I would prefer to not have to get my attorney involved!
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, digital, and telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX  State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX