davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio recovery account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and XXXX XXXX. Portfolio recovery is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with portfolio recovery or ever had one with XXXX XXXX. But if I did have an account with XXXX XXXX  not saying I do I never gave them permission to sale the debt to portfolio recovery. Portfolio recovery have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.please delete account immediately.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (UT)

Mercedes is reporting a late payment on my account for XXXX I ask they kindly remove. I recently switched banks to XXXX XXXX XXXX XXXX. I automatically enrolled into auto pay as to ensure that I made payments on time and had no issues and was not notified of any errors etc. However, I was unaware that XXXX XXXX requires 4 additional digits if I am having them take directly from my checking account. I wasn't aware of this and it made me go past due and I didn't know until I checked my credit. I was never notified until I inquired after having a similar issued with XXXX. This was not my fault, I was unaware of the rule as I am new to XXXX XXXX. The funds were there.
Consumer complaint received 2024-02-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (SC)

They sent me the letter on XX/XX/XXXX and I thought it was fraud. Its a debt collector trying to collect a debt for another debt collector, that doesnt seem legal at all, for the original creditor XXXXXXXX XXXX XXXX Now its on my credit report so i sent in the validation of debt letter yesterday by USPS with a tracking number : XXXX. 
They should receive it by Monday, XX/XX/XXXX. Im filing a complaint cause this practice doesnt seem legit. How can someone who does not own the debt have it placed on a persons credit report. And actually stated this in the letter. So if I did owe the debt how could i be sure it would be paid correctly or will i have to worry about another creditor trying to collect the debt.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUSTMARK CORPORATION (AL)

This involves a construction mortgage loan which was with Trustmark National Bank. Trustmark 's mortgage division denied a previously approved 30 year locked in rate ( see exhibit F ) for the permanent financing for this construction loan. The underwriting was behind schedule because they were all working from home during the height of the pandemic. This caused a delay in underwriting, so the denial occurred two months after the maturity of the construction loan. The reason for denial as stated by the Trustmark mortgage division ( see exhibit G ), was that they perceived that there was a forbearance on my credit from another loan ( different bank ) because the credit report showed a footnote that said " affected by national declared emergency '', even though the report reflected all debts as current. Trustmark bank, who held the construction note, then agreed to provide accommodations by modifying the loan, lowering the rate, deferring the current payment that had matured, and amortizing it for 240 payments. The span of time between when the construction loan matured, and when the underwriting for both the mortgage division, and the bank itself was complete was approximately 90 days. For this time period, the bank charged interest for the time value of the balance, but at the same time it reported the note as delinquent ( see exhibit H ). 
In Summary, My complaints are against Both Trustmark National Bank and Trustmark Mortgage for the following reasons : 1. Trustmark National Bank provided accommodations as defined in Section 4021 of the CARES Act, while being aware of, and in full knowledge that this issue was directly affected by COVID 19. 
2. Trustmark bank violated the Fair Credit Reporting Act as well as Section 4021 of the CARES Act in reporting the covid related accommodations as delinquent.

3. The illegal/erroneous reports by Trustmark National Bank, has caused financial harm to me.

4. Both the loan officer, and branch president have been notified in writing of the incorrect reporting, but as to date, they either refuse to respond to the email, or otherwise have failed to respond. When confronted in person, the branch president stated his position to be that he had made no errors and would make no corrections. 

I have made every effort to pursue this through the channels available to me, such as filing disputes with the bank and various agencies including the credit reporting bureau experian. Now as there have been no corrections, I will pursue litigation if this avenue is not successful.

Thanks for Your Help In This Matter
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Foursight Holding LLC (TX)

Foursight capital is saying I owe them but I dont back in 2021 my account was on XXXX and now after XXXX  years they are saying I owe them XXXX. They did damage to my credit they did remark code removed from XXXX sight capital then the account increased and they bearly are saying they updated the payments and some are unknown. I dont owe them anything. This is under law 15 U.S.C 1681 and its not correct.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am, once again, submitting this CFPB complaint to you to request that you remove the negative description on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$79.00} XXXX You have failed to send me copies of results of your investigation and yet you claim that the disputed erroneous acccounts are acureate and verified.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX. Made phone call to " XXXX '' from email I received regarding possible fraud on my XXXX account. ( And yes, I know not to do this ) XXXX. Spoke with XXXX /said the charge of {$550.00} would have to be corrected in a program that I would have to access. After accessing program, I was instructed to enter several fields ( and NOT to make any mistakes ), In the field where I was to enter {$150.00}, I thought I entered {$150.00}. However, I believe the program was designed this way on purpose. Then XXXX told me I had just entered {$15000.00} in my bank account and I would have to write a check to withdraw the funds. 

I wrote check for {$15000.00}, went to bank, cashed check, returned home. XXXX instructed me to put the money inside the pages of two books and mail to address I was given. 

At this time I knew this was strange but did not know how to correct the situation since I had initiated the phone call. 

During this time also, XXXX stated that someone in his office made a mistake and had deposited {$1700.00} in my account and I would need to go to XXXX and buy three {$500.00} XXXX gift cards which I did. With the remaining {$200.00} I was to mail the two books " next day '' with money inside to : XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX. This is a XXXX store. 

XXXX instructed me not to tell anyone about these transactions and I was not to do any banking for 24 hours from that Friday. 

The {$15000.00} and {$1700.00} were not my money to begin with. It was their funds. I never gave XXXX permission to withdraw any funds from any of my accounts. I now believe XXXX hacked into my computer and transferred money from my XXXX XXXX XXXX and transferred money to my checking account and withdrew my money that way. 

I also filed a report with XXXX XXXX XXXX Police Department as I live in town limits ; they checked it out; told me there was no way they could pursue matter. 

I have since closed all my accounts with Truist except for a low interest Master Card.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-23
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: JPMORGAN CHASE & CO. (NJ)

I received two emails from XXXX on Friday, XX/XX/XXXX, that stated I had two credit card inquiry on my credit report. I signed on to my XXXX account and noticed two hard inquiries from JPMCB back and XXXX XXXX XXXXXXXX. I did not apply or attempt to open any new credit cards. I called XXXX on Saturday, XX/XX/XXXX and was told to call back on Monday since there fraud department is closed on weekends. I Called XXXX on Monday, XX/XX/XXXX, they advised me to file a report on the FTC website, as well as, call both creditors, JPMCB and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LendingPoint Holdings LLC (OR)

Apologies in advance, I did my best to pick the answers that best fit my particular situation. 

On XXXX. XXXX, 2022 somebody fradulently used my information to open a loan in my name for approximately {$10000.00} with LendingPoint. I first became aware of this in late XXXX / early XXXX and immediately reached out to the company for resolution and reported it on IdentityTheft.Gov. 

From the very beginning Lending Point has been very difficult to work with and saying that they need information. First they said that they need a police report to start their investigation. I did that. Then they said they need more, so I got what they told me they needed. Then finally i heard back from somebody who said they were actually investigating it. That person connected me to XXXX  XXXX XXXX where there was a fradulent account in my name that was setup. Whoever stole my identity took out this loan and transferred the money to a XXXX XXXX  XXXX account. From there, they clarified that I need more details added to the police report so that they can subpoena the bank records and finish their investigation. At every interaction ( email attached ) they have moved the goalposts and not done anything to make me feel at all confident that they are actually investigating this claim in good faith. On Monday I sent a version of the police report that was updated yet again and followed up with them on Thursday the XXXX. 

I got a reply this morning which I thought was very curt and in line with my experience with Lending Point : " Hello, Account was believed to belong to you. '' I immediately replied that it was not my account and I would like to see the results of their investigation but have not yet heard back. I am no expert on legal matters but if they needed that updated police report to get a subpoena, it seems like that would take more than 3 days. In addition, at the very least, the investigator should have reached out to me and elaborated on their investigation, not send just a short, dismissive email. 

I have attached my emails to my contact at Lending Point " XXXX '' and the Police Report. 

They are acting like I committed fraud over 10k, which I find to be downright insulting. I have a XXXX XXXX XXXXXXXX XXXX and am a XXXX XXXX in the XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I have no reason to commit what they are essentially accusing me of doing. They are acting like I took out this loan and am now going above and beyond to get out of it and are not being transparent in their investigation.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX and XXXX, 2024 several unauthorized withdrawals totaling {$6000.00} were made from our savings account using XXXX XXXX, which had been linked to XXXX of our debit cards. The withdrawals were made one right after the other in the amounts of {$40.00}, {$60.00}, and {$100.00} from the same ATM at a bank branch. 

When we realized this we alerted the bank, which returned the funds to our account while they investigated. Upon concluding the investigation, that bank removed the funds from our account stating that the withdrawals were not made fraudulently. 

I went to our local branch of the bank and the employee investigated for me and discovered that the bank refused the claim because it appeared that the initial withdrawal had been made with a PIN. The subsequent withdrawals were made using XXXX XXXX, which had been linked with the account. To me, this would indicate that the debit card was skimmed or shimmed, including the PIN as the debit card in question was never linked in an XXXX XXXX. The bank indicated that the account was added on XXXX to a device. 

The bank employee referred the claim to the corporate office, I believe. And I have filed a police report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

These accounts are inaccurate and fraudulent and should not be on my consumer reports. I am demanding these accounts to be deleted asap. 

XXXX {$300.00} XXXX {$540.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2024-01-20
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. (GA)

There are several items that appear on my consumerreport from entities that I have never signed any contract/agreement with, done business with, and/or provided consent or authorization to furnish any information to a third-party. 

Under section 609, I have requested that this credit reporting agency provide the original documents that also contains my physical signature along with any other supportive information to conclude their dispute ; or remove the items from my credit report As stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are legally obligated to verify the authenticity of all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone utilizing their reporting services.Their failure to adequately verify these accounts has adversely affected my creditworthiness. According to the FCRA, any unverifiable accounts must be removed. If they are unable to furnish verifiable proof, they must eliminate the accounts specified in my dispute letters. 
In addition, I have requested a thorough and manual verification, including the date that they have contacted the furnisher, the name and address of the furnisher, the name of the agent, the method of communication, and most importantly if the furnisher provided my name, address, and/or dob. 
I have yet to receive any of this information! They are willfully being non-compliant. It is injurious to my credit report and has significantly impacted my financial well-being and credit score.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX someone decided to withdraw money from my bank account XXXX dlls to be exact XXXX from an atm and XXXX from a bank teller machine same branch they had close my case for lack of evidence as it was considered an authorized transaction as someone used my card and my pin. they requested some documents about proving that i wasnt there at the time of the transactions which i did but it seems not to be enough for them i never lost my wallet or card i try and dispute the claim and it seems like every time they make it harder and harder to get my money back and to be waiting for all these documents to get within 5to7 days every time its ridiculous.
Consumer complaint received 2024-07-22
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. (LA)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was charged a {$27.00} late fee on XX/XX/year>. I made an online payment that posted on XX/XX/XXXX, after pending on my account for a few days ( due to the XX/XX/XXXX holiday ). 

I called Capital One 's customer service department and a man told me to call back in a few days, after my payment posted. I called back on XX/XX/XXXX and talked to a person who said she was a Supervisor and her name was XXXX. 

She said that my late fee would not be removed, despite my never being late on payment before and having XXXX accounts with Capital One. And she wouldn't send me written information regarding a grace period, or the policy of removing a fee as a courtesy for a customer.