davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Re : FCRA Violation - Incorrectly Reporting as Deceased I am writing to formally demand compensation for the damages I have suffered as a result of XXXX XXXX XXXX XXXX 's violation of the Fair Credit Reporting Act ( FCRA ). XXXX has erroneously reported me as deceased on my credit report, causing significant harm to my financial standing and personal well-being. 

( I discovered this inaccuracy on [ XX/XX/year> ], when I obtained a copy of my credit report and noticed the erroneous " deceased '' status. As you are aware, the FCRA requires credit reporting agencies to maintain accurate information, and this blatant inaccuracy constitutes a clear violation of 15 U.S.C. 1681e ( b ). 

The FCRA also mandates that upon being notified of an error, a credit reporting agency must conduct a reasonable investigation. Despite my attempts to rectify this issue through your dispute resolution process over the phone, the inaccurate information has not been corrected in a timely manner, further exacerbating the harm done to me ). 

As a result of XXXX 's failure to maintain accurate information, I have experienced the following damages : 1. **Emotional Distress : ** The distress and anxiety caused by being reported as deceased have had a profound negative impact on my mental health.

2. **Credit Denial : ** I have been denied credit and faced significant financial inconvenience due to this erroneous report.

3. **Financial Loss : ** The inability to access credit has led to additional financial losses, including higher interest rates and missed opportunities.

Under the FCRA, I am entitled to compensation for these damages. I am seeking a payment of {$1000.00} to cover the emotional distress, financial losses, and any other applicable damages as a result of this violation.

I expect a written response to this letter within 30 days, acknowledging your receipt of this demand and outlining your intended course of action. If I do not receive a satisfactory response within this time frame, I will pursue all available legal remedies to enforce my rights under the FCRA.

Please send your response to the address listed on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

Filled out all modification application and supplied all required Info. For 6 mo we went back and forth having to sometimes send multiple copies of various items. 
Was denied for lack of income. The company did not use all my incomes that I just spend 6 months showing records for, 1st- not one person during the entire 6 mo told me they wouldnt use all incomes I provided to them and if they with have used all my incomes I most likely would qualify for the modification. 
I feel if they would have told me that they wouldnt include one if my incomes I would have gotten another job or whatever it took meet this requirement to stay in my home Ive owned for 20 years now.

2nd- not one person during the entire 6 months mentioned to me that I may not have enough income to qualify?! I would have had 6 entire months to increase my income so I would for sure qualify for the modification because I really do not want to lose my home and have been compliant. 
i feel it is as if they really do not want to help me keep my home at all and are doing whatever they can get away with to take my home from me. 
XXXX today XX/XX/year> I received a call from someone wondering why Ive fallen so behind? And if I wanted to know my reinstatement amount to pay? I am once again feeling as though this company does not have it in their interest to help me save my home as this employee said they only had page 4 of my 4 page appeal letter in their system?!! I talked to my relationship XXXX and one other employee there before this person today. Both of the prior employees didnt say they only got page 4 on file! So where is it just disappeared. Basically my appeal letter disappeared! They are supposed to be handling the modification appeal right now! I was told by my relationship XXXX they received the appeal letter and they would open the file again. I had to resend the four pages again today and the appeal time frame is nearing soon. 
Is this just miscommunication or am I being sabotaged. Put in the dump pile?! 
4th- this entire process was so long 6 months just to deny me and because of that it has caused me to be even more delinquent causing the greatest hardship to recover from. I would like to attach the four page appeal I sent to them thank you!
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I ask agency to do a investigation on my information which they never did a full investigation so that would make what they are reporting inaccurate I ask for written signature proving I was the alledge buyer for XXXX XXXX account thats just started reporting but said account was closed so it shouldnt still be reporting a delinquent specially if its in bankruptcys means it been paid plus the bankruptcy not in my name do yall still reporting it to the wrong report usc code 15 everything must be accurate / correct on any consumer report this the law
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I kindly request that you block and delete this information from my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year> an external unknown account was added to my saving account adding {$2000.00} to my saving account. The savings acccount had a balance of {$720.00}. With this unauthorized transaction that I did perform or allow anyone else to do so made a total of {$2700.00} and ithin seconds a with drawl of {$2500.00} was taking from my account leaving me with only {$170.00}. On XX/XX/year> my depsit from my job of {$420.00} depsoited to my account making the balance {$600.00}. On XX/XX/year> the {$2500.00} came back as a funds return wiping my enitre account out leaveing me with a negative balance of - {$1900.00} and since I would not make a desposit for the negative balance they wrote off my account. I asked for a fraud review and they said I was respsonsible an none of my money would be returned to me. I have lifelock working with me who asked for another review due to all the documents and new evidence of fraud and they still said they stand by their decision. This almost caused me to loose my SUV. I didn't make the transaction.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (DE)

I have emailed this company numerous times and asked for them to stop taking unauthorized payments from my account. I do not do business with this company and I did not authorize these transactions. They responded to my email and said I dont have an account XXXX them but yet they are still taking money out of my account each month
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

XXXXXXXX XXXX  has failed. I have documented them committing fraud at XXXX, and at XXXX XXXX. using both XXXX XXXX months apart they made unauthorized transactions to my checking account. when I reported the fraud, they investigated it as identity theft both times despite my specific instructions not to. They then determined that identity theft did not occur. XXXX XXXX has failed, i documented them committing fraud at XXXX, as well as at XXXX XXXX. XXXX has failed. I have documented them committing fraud at XXXX  and XXXX XXXX. Chase has failed. They have purchased fraud from XXXX XXXX XXXX which failed due to fraudulent derivative products. I am out of pocket BILLIONS of dollars, CASH. XXXX XXXX! they are all committing bankruptcy fraud. XXXX XXXX  XXXX are the criminals committing the fraud, they also have corrupt XXXX XXXX XXXX 100 % paid off. The XXXX ETFs are fraudulent. They " bought '' XXXX XXXX from XXXX XXXX  estates that were impacted by the same derivatives fraud that caused XXXX, and that is still ongoing. 

Essentially, they have purchased the praetorian guards with counterfeit money. By definition, rule of law is now over. This is a very dangerous situation. There are illegitimate people in chairs that wield the power of the state. 

STOP CONTACTING ME! I AM NOT MAKING ANY DEBT PAYMENTS PERIOD! LIQUIDATE CHASE NOW! ARREST THESE XXXX BANKERS AND GOVERNMENT EMPLOYEES WHO ARE ENSLAVING AMERICAN CITIZENS. THIS CAN NOT, AND WILL NOT STAND! YOU WILL BE HELD ACCOUNTABLE. XXXX XXXX XXXX!
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NH)

XXXX. Last year it came to my attention that TD Bank allowed someone to open a fraudelent account in my name. 

XXXX. After receiving incorrect information from a TD Bank representative by phone, I went to the branch in XXXX, VT who helped to resolve the issue. 

XXXX. TD Bank provided verbal and written confirmation that the accounts would be closed out and the information would be immediately removed from my credit report XXXX. Over one year later they still have not removed a {$35.00} fraudulent charge from this fraudulent account on my report, which now shows a delinquency, lowering my credit score and increasing the cost of borrowing. 

XXXX. I have contacted TB bank multiple times. They said in writing on XX/XX/XXXX in response to a XXXX  complaint submitted a week prior that they were resolving the issue from the XXXX  complaint. They have not responded to any messages, made any communication, or done a single thing since then. 

XXXX. TD Bank is completely negligent in continuing to fail to take consumer privacy and security seriously, having a tangible negative impact on my finances, and failing to respond to concerns in a timely and professional fashion. 

XXXX. If there is no punitive measure for companies like TD Bank, they will not learn that they have to do better, as there is currently no cost to them for their continued negligence and mishandling of XXXX, as they have shifted the entire consequence and cost onto the consumer.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount GR Holdings, LLC (KY)

I have disputed this information on my three credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me.
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

XX/XX/year> I received an alert for a new collection from Iq data. I am not familiar with this company. I have written them requesting proof of debt. I did not receive a debt validation notice. My contact with them they state this is for an apartment. I am a home owner and I have not rented in XXXX I. Am requesting this be immediately removed from all bureaus and a copy of all contracts etc so I can file police report. At this time I have nothing but an inaccuracy on my credit reports and Im not getting responses.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

My credit report is showing multiple collections, XXXX from XXXX XXXX XXXX XXXX, and one from LVNV FUNDING LLC XXXX XXXX I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX AN XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX GXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

around XX/XX/XXXX I Filed a complaint because it appears that two separate collection agencies where attempting to collect the same. as part of the complaint CFPB forwarded the complaint to XXXX XXXX as well. Today I received written conformation from XXXX  XXXX on the Complaint initiated against ( LVNV Funding LLC ) who responded to they were the owner of the Debt ( case number ; ( XXXX. However XXXX XXXX 's response stated the account was sold to ( XXXX XXXX XXXX ) ( see attached response from XXXX XXXX ). They were only able to Confirm the account that they sold to XXXX XXXX XXXX ). 

Resurgent who is affiliated with both XXXXXXXX XXXX  and LVNV Funding LLC responded to the complaint against LVNV, their Response which I have also attached was unsupported by XXXX XXXX XXXX some of us are aware these companies are affiliated and have been sued for Debt Flipping. Based On XXXX XXXX response. I now believe this was an attempt By both affiliates to Deceive and pressure me into paying a debt that is Time Bard in my State and to keep the negative credit reporting past the 7 year look back period imposed by State. If I remember correctly, I believe that as part of settlement these affiliates agreed to stop that practice. 

I also believe, that due to XXXX XXXX 's apparent policy of not reporting the bad debt themselves, which makes it very difficult to match collections with the original creditor, they have seized that opportunity to take deceitful and harmful collection practices to the extreme which I am now confident has also been done to others as well.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (AR)

Our mother passed away in 2020 without a will. When she passed away we notified them of the death, and were sent paperwork, including a form to fill out to be declared successors-in-interest. 

They listed four items they would accept -- one line item being a combination of the probate cases Letters of Administration and an affidavit determining her heirs filed with the County Recorder of Deeds. Other line items were a court order or an executed deed. 

We completed the first line item. According to my sister, she spoke to Chase today, XX/XX/XXXX, and that they say that now, even though we have done that, we now need to get a deed executed. Our attorney had previously said an administrator 's deed was not correct. There is no other way to execute a deed in our process to our knowledge. And besides, this should be enough -- or at least, it is according to their own process document. Their own process document recognizes that updated deeds are not always available. 

It feels like this is a scheme to defraud consumers and heirs of deceased borrowers of their rights as Successors in Interest, which include the right to assume financial responsibility to the loan under much more favorable terms. We have to assume financial responsibility for the loan in order to complete probate in our state. 

A copy of Chase 's successor-in-interest packet, showing the documents they say they require, is attached.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Mercury Technologies, Inc. (NC)

On XX/XX/year> a check for {$5000.00} was sent via XXXX XXXX  online platform to be delivered to the recipient via XXXX Mail. 

The check was sent in a non-secure envelope that made the contents and amount clearly visible. 

The check was stolen at some point after being auto-scanned at the post office and before the recipient could retrieve it from their mailbox. 

On XX/XX/year> a forged check was cashed at a XXXX XXXX XXXX XXXX in a neighboring state that reused the account and routing numbers from the original check but addressed to a new individual. 

On XX/XX/XXXX an email was sent to XXXX asking for help regarding the stolen money. An affidavit was requested from myself and the recipient which was promptly supplied. A police report was also filed regarding the incident. 

From XXXX to XXXX multiple emails were exchanged asking for resolution and timelines. XXXX bank said the issue was out of their hands and it was up to XXXX to resolve. They were unwilling to provide me with any case numbers or further contact info so that I could pursue a resolution to my stolen funds. 

As of XX/XX/XXXX, 6 months after the incident, I have still not received any word on when my stolen funds will be reimbursed.
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

A collections item was reported to the credit bureaus on XX/XX/year> for {$600.00} from XXXX XXXX. No previous notification was sent to me about this.I do not owe this debt. I had a XXXX XXXX account XXXX years ago, but I closed my account and it was paid off. I have tried to reach this Collections Agency ( Transworld Systems, Inc. ) but they are unresponsive and it is impossible to reach someone by phone. I have sent a letter disputing this debt.