davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (CA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  XX/XX/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 2023-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (GA)

I purchased contacts and as part of the purchase I was to receive a {$210.00} gift card back. The company, XXXX  issued the card on XXXX  and " expired '' the funds on XX/XX/XXXX. On XX/XX/XXXX, I called the company at XXXX explained what occurred, asked to speak to a supervisor and then they still refused to credit back the {$210.00}.
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: DApps Platform, Inc. (FL)

Basically I used Trust for a few months, I had some security issues lately it seems. Looks like someone at TRUST is micromanaging account assets and mismanaging them. I have documents showing TRUST Wallet is ultimately responsible for wallet maintenance.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

LVNV Funding, LLC, filed suit against me twice, claiming to have acquired the debt but offered no proof of it. The original contract was not attached in either case. The chain of custody of the debt was not established in either case. I have attached the answers we filed plus an additional pleading evidencing their bad faith in their filings in court.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICA FIRST FEDERAL CREDIT UNION (OR)

America 's First Credit Union is an esteemed credit union in the United States, unfortunately they are currently reporting on a ghost debt that was paid off in XXXX. This ghost debt is not only still on my credit report, but the company is now refusing to remove the negative marks and late payment history from my credit report or file for a recorded closed and paid off secured card, or tradeline as XXXX, the associate helping with the matter explained. Reporting on or trying to collect a ghost debt that is almost 7 years old is illegal and unlawful. The reporting of a ghost debt in the attempt to collect said ghost debt is illegal and unlawful and does not give creditors an accurate scope of my creditworthiness and instead muddies it up and I have to prove my merit to the creditor by disproving these vicious credit predators and their counterpart credit reporters! America 's first credit union, XXXX, XXXX XXXX and XXXX are all to blame on this ghost debt from XXXX still haunting my credit profile into XXXX.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

. 
XX/XX/2023 Claim was filed by me over the phone for unrecognized pending charges to my account not done or authorized by me. 
XX/XX/2023- JP Morgan Chase Bank credited my account for the unrecognized charges to my account I had reported. 

XX/XX/2023 I Called JP Morgan Chase Bank to inquire about the reversal of the credit made on XX/XX/2023. The representative said to call back at later time that day. The claims department did not open until XXXX eastern standard time.. 

XX/XX/2023 Called JP Morgan Chase Bank for second time that day to inquire regarding the reversal of the credit. Representative stated that after their investigation it was determined XXXX XXXX was used by phone to make the transactions. I explained to the representative that it was not me who made those charges and do not know how my account was accessed. I was also told that my filing was not done in a timely manner, which I feel my reporting of the fraudulent charges were not delayed. As soon as I became aware of the charges on my account I immediately reported the charges ( XX/XX/2023 ). At that time some of the charges were still pending and that is the first moment I became aware of the fraudulent charges. The pending charges prompted me to look at past transactions and thats how I became aware of the other fraudulent transactions that had already been processed/paid from my account ( later told that I am at fault for not reporting immediately ).
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

After receiving a XXXX insurance settlement check from XXXX XXXX in the amount of {$41000.00}, I contacted Select Portfolio Servicing for the payoff of my mortgage. On XX/XX/XXXX I received by mail a payoff quote in the amount of {$25000.00} that would expire on XX/XX/XXXX. I contacted the company that day inquiring the process of getting the check endorsed to payoff my mortgage and the 3rd party insurance adjuster also on the check. Was told we had to get the 3rd party to endorse the check as well as myself and send it to them. I offered to send a bank check if they would endorse the check, but they refused. On XXXX XXXX, XXXX I drove XXXX XXXX way from XXXX  XXXX XXXX  to the XXXX XXXX  area for the endorsement of the insurance adjuster. I had to post date a personal check XX/XX/XXXX, for their payment which they would cash once SPS returned the proceeds after payoff. I contacted SPS once again about enorsing the check so I could send them a bank check which they again refused. On XX/XX/XXXX, I received yet another payoff now in the amount of {$26000.00}. I followed their protocol on XX/XX/XXXX, by overnighting the XXXX check, along with, the documents they required : a letter of request to pay off the mortgage and the new pay off quote, which they received and signed for on XX/XX/XXXX mid afternoon. On XX/XX/XXXX task was opened, on XX/XX/XXXX Loss claims submitted to documents and check to the payoff department where the check has been sitting since XX/XX/XXXX. After calling every couple of days, not XXXX single person can explain why the payoff hasn't taken place. Every person says it is pending, though several have stated they submitted an " expedite order '' for payoff. On XX/XX/XXXX, it is my understanding that " XXXX '' noticed that the XX/XX/XXXX payoff quote expired and an new one had to be sent to me which I received a week later in the amount of {$27000.00} and expires in XXXX  days, XX/XX/XXXX. My post dated check to the 3rd party on the XXXX settlement check is now more than 60 days beyond. On XX/XX/XXXX, I received a now escrow payment schedule where my monthly payment will go up from {$480.00} to {$730.00} due to homeowners insurance increase since XXXX  XXXX. I had found another Insurance company to cover my homeowners insurance at 3rd the cost back in XXXX ( why requested to payoff amount in XXXX ) but was unable to act on it because of my property still having this " open claim '' which should have been closed back in XXXX. It is now XXXX so I'm sure that rate quoted me is no longer effective. After speaking with XXXX different people today, XX/XX/XXXX with SPS, my insurance claim check is still sitting in " restricted escrow pending ''
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My banking institution USAA refuses to refund {$500.00} to my checking account due to XXXX scan that I immediately cancelled and disputed same day. USAA has refused to refund funds due to XXXX agreement that says do not send money to people you may not know. USAA refuses to provide documentation after receiving proof of SCAM email sent by XXXX. Multiple documents of proof of the scam was provided to USAA. After multiple attempts to escalate USAA refused to escalate the situation due to XXXX agreement.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-27
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. (ND)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I deposited a {$10000.00} check with Capital One XXXX checking via mobile deposit. Unfortunately, the check was reversed on XX/XX/XXXX. Upon contacting them, Capital One requested information regarding the origin and purpose of the funds, which I promptly provided. They also asked for the associated check number to reach out to the check writer, my aunt, to verify the transaction. After confirming the details, they initially indicated everything was resolved, with a caution that further reversed checks could lead to account termination, which I understood. However, in a subsequent call, they mentioned the need for additional investigation without specifying reasons or duration, which was confusing and concerning given the potential consequence of account closure.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX, 2023, XXXX XXXX  from my ACH to open the account. 
Amount : {$25.00} to open an account as a first deposit- they lied about it not receiving it. 

I filed a claim like they told me and they rejected my claim saying they never received my money. If they didn't I would haven't been able to open an account with them. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Opened an account online they took my XXXX dollar deposit and lied about receiving it. I wouldn't be able to open the account without having to give them XXXX dollars. 

They still have it and never deposited it into my new account. They told me to make a claim and they said they couldn't find my money and were not going to fund my account!
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (NY)

I requested my consumer report from Early Warning Services, I was alarmed to find out that XXXX  XXXX XXXX reports a savings account in my name which I never opened. Bank Name : XXXX  XXXX XXXX This is FRAUD/Identity Theft.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (IL)

I am writing to dispute inaccurate information on my consumer report that is being provided by XXXX XXXX and early warning solutions. This misinformation is hindering my ability to open a bank account, and I request its immediate removal. Additionally, I request that XXXX XXXX and early warning solutions provide proof of the accuracy of the disputed information in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FISERV INC. (MO)

Was denied the right to write a check at XXXX due to Telechex. While reviewing the information found they are claiming two checks have been returned but have not been but were paid by my check. As of Friday XX/XX/2023 XXXX thru Telechex tried to send a check again thru my bank with the same check number which had already been paid. But with different amount. As well as numerous of inquiries which are not mine please remove these
Consumer complaint received 2023-11-08
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. (AL)

According to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( 2 ) states " I have a right to privacy. '' 15 USC 1681 section 604 a section ( 2 ) states. '' In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX these financial institutions and the consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. ANY and all consent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, TRANSUNION whether it be verbal, non-verbal, written, implied is revoked. Under 15 USC 1666 ( b ) A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

On XX/XX/2024 I spoke to Mohela about my Loan XXXX being paid in full but still showing I owed XXXX cents and my payment was overdue yet the balance said - {$0.00}. The representative told me not to worry about it and that it was paid in full. Today, XX/XX/XXXX, the balance is now 31 days late and showing a balance of {$0.00} on a loan I PAID OFF between XXXX XXXX. Here are the screenshots to prove the loan is paid off according to correspondence from Mohela as well as my payoff of {$0.00}, just to cover my XXXX in case Mohela sent it to credit bureaus. Fix this NOW.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I need to speak to someone regarding why my monthly payment just increased by {$400.00} with this new payment due in two weeks without any reason as to why it increased. I have tried to call customer service numerous times but have been waiting hours in queue and unable to get in touch with anyone that can assist. 

As well, I applied for the XXXX repayment plan well over a month ago and have not received any update as to the status of that application.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (TN)

I relocated to the state of Tennessee from the state of NY and took a significant reduction in my pay. long story short we where forced out of our mortgage after we could no longer get caught up after covid job loses. I finally got a job in Tennessee making only $ XXXX from making $ XXXX and I am paid once a month at the very last day of the month with the school district. I called Santander to arrange for a 2 month extension so that I could get caught up. I was told that I have not made the require XXXX payments to qualify, b ut if I paid {$220.00} I would then qualify. I paid the {$220.00} and was still to this day told there is nothing they can do. I can not get blood from a stone if I don't have it I don't have it, but they are unwilling to cooperate and work with me.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I had someone who filed bankruptcy on my behalf and they were fined because this was never supposed to happen. When I reached out to the bankruptcy court they showed that the XXXX filings she did on my behalf were rejected due to insufficient documents. So nothing was ever processed fully and I never went through the bankruptcy proceeding. 

When I reached out to lexisnexis, and let them know the information was incorrect and they should remove it from my credit report. They stated they received the information from PACER which I never gave them permission to share any of my personal information. I do not know this company and they shouldn't have my personal information nor should they be giving my information out, or reporting this to my credit report. 

It is their duty to ensure they are reporting my information correctly, and if they are releasing my information to another company they need my written consent which they never received. 

It is showing I filed Bankruptcy twice in a 4 month span which wouldn't make any sense and when I reach out they only forward me that information has been confirmed with PACER which I never gave any information to.