davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

We made our monthly payment as we always do to American Express through our XXXX online bill pay on XX/XX/2023. It was paid electronically and left our account on XX/XX/2023. AMEX never posted it to our account. Despite providing proof of payment including the amount, trace ID, date and transaction ID along with a bank statement, they have closed the case four different times claiming we have not provided any documentation. Two agents told us they could see the payment but couldn't prove it should go to our account because some of the identifying account numbers were missing ( we have always only included the last 6 digits as it is presented on the statement ). They have also admitted that they see it but it says my name ( the wife ) and not my husband 's name ( we are both on the account and the checking account of origin is also a joint account ). We have even had a three way call with a XXXX XXXX  supervisor confirming that it is a legit payment and still AMEX continues to deny the payment exists. All we are asking at this point is to have the payment returned to the bank of origin if they can't connect it to an account. It seems absolutely illegal to hang on to money and not attach it to anyone 's account. The amount in question is {$2400.00}. Not a small amount of money! We are out of options.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$2500.00}.
Consumer complaint received 2024-06-15
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: DISCOVER BANK (NJ)

Someone opened a fraudulent credit card account with discover bank using my personal information and were making the payments towards that fraudulent credit card account while I was in overseas. When I found the information about this fraudulent account in XX/XX/year>, I immediately called the discover bank customer service and reported the account as a fraud, and sent the affidavit and all the requested documents to their dispute department. Back in XX/XX/year> the credit card balance was - {$1.00} as per their statement, after 4 months of investigation, they have re billed the same credit card for the amount of {$1700.00}, I do not know even how it is possible, an account balance goes from - {$1.00} to {$1700.00} while it was reported as a fraudulent account, they failed to investigate this account properly and they also failed to verify the identity before allowing someone else to open this account fraudulently, They must be responsible for this fraudulent credit card account and remove it from the credit reports immediately.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is an inappropriate system to be disregarded and taken advantage of while a great deal of guidelines are broken due to carelessness and the earnestness of not survey what is happening in a serious manner. Has caused Financial injury and analysis of character close by at least 30 days of no response
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Complete Credit Solutions, Inc. (TX)

Please be advised that this is my XXXX  WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 


XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, XXXX ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have XXXX hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by XXXX ( a ) ( XXXX ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (WA)

I reviewed my credit report and found an unpaid debt, that I was unaware of. I did locate a mailed statement, which showed my last name was spelled incorrectly. Emails were sent as well but I did not open them believing they were spam or fishing attempts and deleted them. As a result, I was not aware of this unpaid debt. 

The amount owed is {$360.00}, based on the last notification from resurgent dated XX/XX/XXXX, this appears to have been outstanding since XX/XX/XXXX. I know this was originally from the use of an XXXX XXXX Credit card, which I never received a paper/mailed bill. The XXXX XXXX Credit Card system was paperless, which I never agreed to. 

Below is the communication emailed through the resurgent " Contact Us '' page. As noted, I did include a copy of my driver 's license showing the misspelling of my last name. 

Attention Correspondence Department : Following up on the phone conversation on XX/XX/XXXX with XXXX. Due to the misspelling of my name, I did not open any messages because I believed that they were spam or fishing attempts. For this reason, I am requesting that this collection be deleted from my credit reports. I will be submitting a complaint to the XXXX. I have attached a copy of my driver 's license for proof of misspelling of my name.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I live in Ohio and because of the Lending laws in Ohio this debit is null and void and un collectable. Ohio caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for 9 years. The below companies are on my credot report under the collections category. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX - they also practice unfair collecting.

Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family.

Very embarrassing and it should be illegal.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P. (NV)

In accordance with the Fair Credit Reporting Act the following creditors have 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.wrong opening day account belong to ex wife I dont have anything to do with this
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (MD)

I called Santander consumer USA if I could give a lump some and lower my payments and they told me no. Then I asked them to pick up vehicle but they told me no after recording my statement and told me the only way they could get it was if I pay for storage fees. I explained I never heard of that and that if I have the money I would just keep Making payments. She told me to go back to the dealership and see if they would take the car back.
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/year>, Resurgent Capital Services responded to my CFPB complaint from XX/XX/year>. Their response letter stated that their office would initiate no further contact with me. Since then, I have received multiple emails ( as recent as XX/XX/year> ) and texts messages ( as recent as XX/XX/year> ) from them attempting to collect debt. Their unwanted communications are in violation of Federal and California fair debt collection laws and have caused me XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (NY)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

Due to mail handing issues, Wells Fargo flagged my checking account to be force closed without informing me. When they closed the account, they put a cashiers check in the mail to the wrong address and will not give me the funds from the account at the branch.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MN)

I filed XXXX XXXX bankruptcy in XXXX of 2023 and was discharged in XXXX of 2023. After disputing the incorrect information on my XXXX credit report twice, no correct update on my account status has been given. My account says charged off and reports a balance. It should say discharged under XXXX  XXXX bankruptcy and report a XXXX balance. I have uploaded all documentation to XXXX and Ford Motor Credit showing this account is included in my bankruptcy and still they come back and says it being reported correctly as charged off. My documentation shows the petition of conversion from a XXXX XXXX XXXX XXXX  My listed creditors that lists Ford Motor Credit/Lincoln Automotive on my matrix and my discharge letter.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/year> - I received an alert of hard inquiry from XXXX about a bank of america card XX/XX/year> - I contacted XXXX to remove the hard inquiry and to place a fraud alert on the report XX/XX/year> - Experian removed the hard inquiry and placed a fraud alert on the report XX/XX/year> - I received an alert of a new account opened under my name from XXXX XX/XX/year>- I contacted XXXX to dispute the account and was directed to file an FTC fraud report XX/XX/year> - I contacted XXXX to dispute the wrong birth date on my credit report XX/XX/year> - I contacted Bank of America to inform them of the fraudulent account XX/XX/year> - Bank of America was unable to locate an account under my name, social security number, or address XX/XX/year> - I uploaded evidence of birthdate, identity, and address to XXXX to correct the incorrect birth date information on my report. 
XX/XX/year> - I filed a fraud report with FTC
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/year> I made my XXXX mortgage payment. Rushmore showed the payment increased by over {$200.00} because of an Escrow analysis showing taxes on my property had increased to over {$2000.00}. I explained to the Rushmore rep that tax increase was being disputed, as were the tax increases for all the properties in my neighborhood. Because of that dispute, the Rushmore rep said I could pay the previous payment ( {$460.00} ) which I did during that call and she would note the tax increase dispute for the properties in my area. She would also send me a form or information to submit in writing the tax dispute.On XX/XX/XXXX, I called to make my payment when I discovered the payment was again showing as {$200.00} more. I also received a letter asking in writing what the problem was with my mortgage payment. The Rushmore rep showed I had not made a payment since XXXX. I insisted that was incorrect, then the Rep suddenly " found '' my XXXX payment and said that was a partial payment. I explained to the Rushmore rep the tax dispute and that I was told I could make the regular {$460.00} payment, not as a " partial '' payment. When the rep couldn't accept my regular payment or count XXXX XXXX payment as a complete payment, I requested to speak with a supervisor. Eventually she agreed to transfer me. After speaking with another rep, I was finally passed to a supervisor in the Escrow department. XXXX took the time to investigate prior notes, and explore what was a possible solution. She requested the most recent Escrow analysis ( XX/XX/year> ) be removed by the Escrow department, taking my payment back to the regular amount of {$460.00}. She saw no reason her request would be denied. She also advised me NOT to make a payment at that time because it would just be folded into the XXXX payment as a completion of what they showed as a " partial '' payment. XXXX agreed to let me know when her request was accepted and I could make the payment for XXXX then. Having not heard from XXXX by today ( XX/XX/XXXX ), I called Rushmore. I can not get to a human to speak with. The automated system takes you in a circle asking for additional information in order to pass you to a representative, then taking you back to the beginning of requesting more information to speak to a rep. The system continues to show me as not having made a payment since XXXX! There is no acknowledgement in the automated system of any payment in XXXX. I want pay my mortgage but need to speak with a person to make sure my payments are counted correctly.
Consumer complaint received 2024-06-18
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: LJ Ross Associates (TX)

I'm in the process of trying to purchase a home and it was brought to my attention that my credit report has been damaged by these collection accounts. This is a defamation of character and I've asked for the purchase agreement to show full ownership so that I may verify the information. According to the Reporting Act15 U.S.C. 1681 it should NOT be any damages on my report!
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

Discover bank have my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (TX)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX CFPB # XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are responding to the last letter we received from PHH offering mortgage assistance. We would like to be clear on the process.

1. During the mortgage assistance process will we be subject to foreclosure?

2. Will we have access to XXXX XXXX during the mortgage assistance process? 
3. If XXXX XXXX is not assigned to our account will there be an account manager assigned to our account to explain things that come up? 
4. Will time be given for us to have the modification documentation reviewed by an attorney? 
5. If we apply for mortgage assistance will we be able to exercise any other option, short sale, Forbearance etc.? 
In closing, thank you in advance for addressing our concerns and providing an opportunity right this ship.We were told that we could apply for mortgage assistance. We have submitted the application. We are wanting to know if we will be supported during the process in terms of knowing what to expect. 

Genuinely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/year>, I deposited a check into my business account. This check was our monthly payment for sub-contracting services that we have been providing with the same company for the past XXXX years. We have the same banking pattern each month as we depend on the payment for our basic living and to pay our mortgage and other bills. On XX/XX/year>, the funds were not made available in the account. I went to the branch that I deposited the check at and talker to XXXX, a personal banker. He told me that he would have his manager look into the issue and get back to me first thing Monday morning. On Monday XX/XX/year>, I called XXXX 's direct line as listed on his business card and he told me that he or his manger were still working on it and either he or she would call me back about my funds being unavailable. I did not receive a call back and my funds are still pending in my account. It is imperative to the operations of my business that I pay all of my bill and insurance payments on time. I can not afford overdraft or returned payment fees when the pending transactions and payments that are automatically drafted post to my account.