davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Im making this complaint because I have filled a ftc report, as well as disputed this fraudulent debt multiple times with no resolution. In need of help with the false discrepancies on my consumer report. I want to request ( production of the original document contract ) & the purchase agreement from the collection company because Ive never done business with them before. Account # : XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$110.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX XXXX  I logged into the 3 Credit Burea accounts and realized I had unauthorized fradulent inquries on my accounts. 
On XX/XX/XXXX I reached out via phone to XXXX, TransUnion, & XXXX and all of them told me that there was nothing I could do about these unauthorized inquiries on my account. 
On XX/XX/XXXX I filed a online dispute on XXXX. 
On XX/XX/XXXX it was denied. 
On XX/XX/XXXX I filed my report with the FTC.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Listed below are fraudulent inquiries using my name and social security number without my content. Resulting in identity theft. Could you investigate this and delete these fraudulent accounts 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 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
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

XXXX. On XX/XX/XXXX, I placed three orders from the seller " XXXX '' on XXXX, comprising XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all in black.

2. Upon delivery, I discovered that all three jackets did not meet the quality and workmanship expected of authentic products. Consequently, I initiated a return request on XXXX on XX/XX/XXXX for all three jackets, citing the reason as " Items not as described. '' XXXX XXXX approved my return request, and the seller provided me with a return label. However, since I was in XXXX at the time, I was unable to use the provided label for direct return. I communicated this to both the seller and XXXX XXXX Customer Service team, detailing in the attached chat transcripts that I would be returning the items from XXXX via XXXX XXXX, which might not offer visible tracking updates until the package arrives in the US. 
XXXX. Despite keeping both the seller and the Customer Service team informed, my return requests were closed on XX/XX/XXXX because I did not use the provided return label. I had consistently explained this situation to both the seller and XXXX XXXX Customer Service team. Now, the tracking status has been updated to show that the items have arrived in the US and have been accepted at the USPS Regional Facility, exactly as I had previously outlined. 
XXXX. However, the seller intentionally refused delivery, as evident in the tracking history. Despite my efforts to keep the seller updated on the tracking status through XXXX messages, he did not respond. 
XXXX. These were returned because all three jackets are not authentic and were not as described. Now, with the seller intentionally refusing delivery, I am faced with a significant loss. 
XXXX. I initiated three transaction disputes with PayPal on XX/XX/XXXX and submitted all relevant supporting documents, organized according to the timeline of events. Despite this, the company failed to conduct a thorough review as required, and the resolution process seemed rushed. They concluded my disputes on the grounds of " invalid tracking information. '' However, the shipping documents and tracking information I provided clearly demonstrate that the package contained the three jackets intended for return, which were the exact items I purchased from the seller. These documents include the seller 's name and address and confirm that the shipment originated in XXXX. The package was set for onward US domestic shipping by USPS from New York, in line with the details I had communicated to the seller and the XXXX Customer Service team. Moreover, this tracking number detailed the overall shipping status, supporting my assertion that " the package would initially be dispatched from XXXX and, upon its arrival in the US, the USPS tracking number would be updated to reflect its status for US domestic shipping, showing that the parcel was deliberately refused by the seller. '' Consequently, I have now lost both my money and the goods.
Consumer complaint received 2024-06-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NV)

I received a refund from XXXX on XXXX XXXX my card was never credited and way2go is refusing to give me my refund. The XXXX website shows the money was sent. I have spoke to both XXXX and way2go.
Consumer complaint received 2018-04-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

A company by the name of new American funding which is a margin mortgage lending company has violated my rights to the equal lending process because I am a XXXX person I was given a loan approval and the loan was frivolously extended and prolonged until their became problems with the sale of the property as a way of deterrent me or discouraging me from the home buying process after being misled and led to believe that the loan was going to be approved for over 60 days the loan was denied without a denial letter
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, I received a letter, dated XX/XX/2023, from Chase bank regarding my account being flagged for fraud after digital depositing a {$2400.00} check from XXXX XXXX XXXX from my step mothers life insurance policy. 

The first call they asked for me to provide the number for the issuer, in which they werent able to get a response. We tried again on XX/XX/XXXX, in which the fraud department representative did get verification from the issuer and verbally told me that the Check has been cleared and account has been taken off hold. Later that evening I checked my account to find all of my funds have been taken out of my account. The following day, XX/XX/XXXX, I called regarding why my account was closed and they explained that according to their notes the previous days conversation never happened, they failed to collect funds, and didnt have any picture evidence of the check being deposited even though the pictures were attached to the deposit on my account before it closed.
Consumer complaint received 2024-07-18
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. (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-06-16
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (MS)

I have attached explanation in the requested attachment box. I was not notified, instead I was being spammed by this company without knowledge of who they were representing, due without notice of account being pushed into collections, knowing that I have closed off this account with property manager. They did not conduct a final walk through or mention one following the closure of the account. I have relevant pictures and information that I have gathered to dispute this claim that has been reported to my credit bureaus. I am in the process of contacting the Tennessee Department of insurance and XXXX XXXX XXXX as well. XXXX XXXX in XXXX, TN, has awful reviews in the XXXX  website community, due to these same reasons and accusations.
Consumer complaint received 2023-10-19
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 Chapter 13 Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

My husband and I opened a safety deposit box at Chase Bank branch at XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX in XXXX of XXXX. We signed the papers and received the keys to the box. We then placed our items in the box. 

XX/XX/XXXX - I attempted to access my box with my keys, my ID and a copy of the lease given to me by Chase. I was told no such account exists. The bank employees then told me they will request a signature card to validate my account and give me access. I sent multiple emails between XXXX  XXXX XXXX and received no response from the bank. 

XXXX XXXX - I received a phone call from the bank junior manager XXXX who said she will have the signature cards by Monday ( XX/XX/XXXX ) and give me a call to give me an update. I heard nothing between XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX - I went back to the bank to get an update and met with XXXX XXXX the branch manager who told me and my husband that they have the signature cards and will validate by the end of the day if they find our account. Later this day they called and said they have found the physical card with proof that we had an account and will now figure out how to get us access. 

XX/XX/XXXX - My husband received a call from the bank manager XXXX XXXX who told him that they do not have the account and have no idea where the items are and the only way to move forward is to give them a list of items to try to find out where they went. 
I went to the bank in person at XXXX XXXX, with my keys and ID again I asked to access to my box # since they had validated that we had this box. The bank refused and I called XXXX for help to report theft. At this point the bank manager brought out the signature card showing both my and my husbands signature and matching the account number on the keys that I still have to prove that we did in fact open and have a safety deposit box at the bank. The bank had made a huge mistake back in XXXX and never put our account into the system. At some point between XXXX and XXXX their team went and drilled my box- WITHOUT my permission or any notice to me and removed my items. I have now been told to give them a detailed list of my items and I'm waiting to hear back anything for where they have taken my items. 

At this stage, the bank made a huge mistake and didn't register our account even though we have the keys and the signature card showing both mine an dmy husbands signature and unlawfully opened my box and removed my valuable and sentimental items and is now not giving me an update on where my items are. 

I have the keys to the box, I have the lease agreement for the box given by Chase and the bank has a signature card showing my husband and I opened the box with the same account number ( also on the police bodycam recording ). 

I am looking for help to hold the bank accountable for unlawfully drilling my box and removing my items and now not finding and returning the items as quickly as possible.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

Recently I looked at a copy of my report at Early Warning Services and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain checking accounts. It is my understanding that you will investigate these inaccuracies to ensure accuracy in accordance with The Fair Credit Reporting Act Public law 91-506 Title VI Section 611
Consumer complaint received 2024-07-18
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. (DC)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX 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 Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX BANK 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  - 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. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 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 TO THIS MATTER!!
Consumer complaint received 2024-06-22
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: Fay Servicing, LLC (CA)

Wrongful, Trustee Sale, Auctioned of our home on : XX/XX/XXXX. Fay Servicing, LLC., on in around XX/XX/XXXX, closed, transferred and/or sold our loan to another identity. Violation of the TRUTH-IN-LENDING ACT, Civil Code XXXX, Fay Servicing for years refused XXXX statements, false statements. I, XXXX XXXX, blood-line of my deceased mother/mortgagor, XXXX XXXX XXXX, XXXX XXXX XXXX upon her death on XX/XX/XXXX, XXXX, I, became here in California, Successor-Person-In-Interest, per The Homeowners Survivor Bill Of Rights ( SBOR ) California Civil Code 2920.7., grants, child's/heirs the rights to seek loan assumption and/or loan modification. Fay Servicing , LLC and their Investor ; XXXX XXXX XXXX XXXX, were in notice and knowledge of the death of my mother/ in and around XX/XX/XXXX, per her copy of her Death Certificate. Fay Servicing and XXXX XXXX, ignored and misrepresentation, retaliated by forcing an Wrongful Foreclosure, ( XXXX ) did not follow foreclosure procedures, ( XXXX ) lacked of a legal valid reason to foreclose, ( XXXX ) in " Bad Faith '' Auctioned our home. 

Violation of my XXXX Bankruptcy Automatic Stay Proceedings, filed my petition in " Good Faith '' on XX/XX/XXXX, before auctioneer auction our home after XXXX. 

Through my XXXX proceedings and my spouse XXXX XXXX, XXXX, Fay Servicing and XXXX XXXX, have posted our mortgage payments over {$46000.00} to re-instate mortgage loan and/or continue mortgage payments. While mortgage payments posted, Fay Servicing and XXXX XXXX have been { DUAL TRACKING ) while in loss mitigation complete acknowledgement on XX/XX/XXXX of our loss mitigation application, violation of the { CFP ACT ). Unfair Business Practice & Professions, Civil Code 17200. Violation of Wrongful Foreclosure, CA. Civil Code 2924m, negligence and violation of The Fair Housing Act, Civil Code 12900-19996. 

Their is no confirmation or proof of Third Party/Winning Bidder who is Eligible of such purchase of our home. California, Attorney XXXXenerals Office, should have been notified in writing from XX/XX/XXXX through XX/XX/XXXX from deemed final sale. 

Enclosures, you will finding supporting document 's to our complaint.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (SC)

XXXX XXXX says that I owe a Debt to them when I received no services from them or have any idea who they are. We do not have a contract nor do they have a full account number. Only thing they will do it send me statement from another company that has nothing to do with them.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.