davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (NC)

XXXX a retail account was opened with Fortiva for XXXX security system. Between XXXX to XXXX I gave approval for Fortiva to do automatic payments using my debit card. At some point after XXXX Fortiva switched my account to a credit card without getting my authorization for a credit card. I found out that this was done when I start receiving payment notices with late fees. I then called in and advised the representative and the manager I spoke to that I did not authorize a credit card and I also had an approval on file to pay the retail account via my debit card. 

The manager then proceeded to say once they changed the account to a credit card they no longer had my authorization for payments. I asked why would they give me a credit card I did not apply for and did not authorize. Fortiva could not explain that and I asked to close the account because that is fraud. I also asked the manager to clear the late fees as this was not my fault and I did not approve a credit card in my name, which he refused. Now, Fortiva is reporting this to my credit score as late payments with late fees. As a consumer this is unfair. I have tried several times to have this fixed with no results. Please help me, thanks
Consumer complaint received 2024-01-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (FL)

I began a VA loan assumption with Mr. Cooper in XX/XX/. I was immediately aware of their advertised 4-6mo assumption process, but not aware this violated my rights under Regulation Z. They received all the required documents on XX/XX/XXXX. I received complete silence of any information or contact on their end. Over the course of the next month I called on average once a week and had to pry any information or timelines out of their customer service department. After taking it to their escalations department for a second time I was told I will be contacted by a loan officer on XX/XX/XXXX. This puts this above the 30 day ( 45, with notice of extension ) without any written ( email or otherwise ) notice from them. I will likely not have a loan estimate nor closing disclosures sent to me in the timeline required by the CFPB and have been forced to push the closing date to end of XXXX Furthermore, it is clear that Mr. Cooper has done everything in their power to dissuade their customers and borrowers from exercising their right of loan assumption. The examples I've ran into so far are : - Countless warnings of a 4-6 month process because they are " backed up '' and have been since rates increased. 
- A false written statement in their assumptions package : " Please be advised, the loan is not assumable according to the terms of the Note, if an unrelated third party is requesting to assume the debt. '' ( see 1st page, end of paragraph 2, on attached ) - Their escalations department stating my rights are not protected under the CFPB when attempting a credit qualifying assumption. 
- A complete lack of communication on documents needed and timelines for contact or next steps.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XXXX XXXX XXXX made a deposit at a huntington bank atm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX place debit card in atm to deposit $ XXXX.into checking acrct, atm took my money, but didnt show it on atm screen or give me a receipt. called bank to report atm gave address and all info i could, huntington bank place money in checking acct. next day. huntington took money back, had checking acct in overdraft. i go to a huntington branch ant talk to cust serv rep. overdraft remove. then to have huntington bank say they can find deposit and now checking acct has {$610.00}. overdraft fees. called huntington spoke with a rep to reopen and check security of atm dispute case # XXXX
Consumer complaint received 2023-04-26
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Back in XXXX of 2023 my husbands Identity was stolen. We didn't find out until XXXX when we received a letter in the mail. I noticed money was missing from my account but couldn't find out where it was going. On XX/XX/2023 my husbands social security check was deposited and i always make my house payment right away and there was no money in my account it was drained and on XX/XX/2023 his social security check was taken again. Even when I would deposit deposit checks or cash it would be taken. I opened up XXXX new accounts due to this and it did not. Chase Bank did nothing about this and neither did there Fraud Department, ever time i called the fraud department they would tell me i canceled it and i would not do that when i want my money back. In XXXX we has charges on our account that we did not do because we had no money and Chase Bank made us paid for them when i could prove it. I turned it over to Detective XXXX at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX he even said it's fraud.
Consumer complaint received 2023-04-26
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Kentucky Housing Corporation (KY)

Kentucky Housing Corporation purchased my Rural housing loan after the sale closed. I have had numerous issues with this company kicking back ACH payments when I know for a fact the funds were available. when this happens there is little to no communication and the company refuses payments to settle the issue until the balance and fees are unreasonably high. As a consumer this looks like an attempt to generate revenue from extra fees or worse an attempt to force foreclosure and sale of the property. The employees of the company have been less than cooperative and professional in the few times they have actually answered the phone save for one who had any decency. Considering this is a company that specializes in low income housing Im concerned about how many others they could be doing these things to. 
In addition, I have received calls from unknown and blocked telephone numbers with people claiming to be from the KHC offices demanding my personal identifying and banking information. I believe these to be scam calls resulting from a possible data breach that has not been addressed by the company. 
I hope you can look into these issues and get to the bottom of it. I have been hesitant to file this complaint due to fear of retaliation and reprisal but something needs to be done.
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I have a loan with this company and it is the worst loan I ever gotten. It is a title loan and I only XXXX or more with fees and interest. I got one or maybe two months behind because of me being off work for XXXX, yet now I am current. When I asked for one payment to be put on the end of loan I was denied. I received several disturbing phone calls more than three to four times daily, not respecting me or my work hours, being that I work starting at XXXX in the mornings. The messages are aggressive and mean. I was also a victim of debit card theft and it took me a minute to straighten out my bank account. I am thriving to get my title back, so I can remove myself from them calling my phone number.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I had written a check to XXXX water Board, After a few months I found out the check which was made out to an official organization was cashed by a random person instead of XXXX Water board. I contacted my bank which was JPM Chase and notified them as soon as I knew, they refused my claim even though it was clearly fraud. The person at chase I spoke to specifically said it was cashed by one of their clients ( i.e chase still has my money ). Chase Teller who cashed the check did not look at front of the check which was made to a XXXX state government organization and gave it to a random person which is illegal. The copy of the check that chase scanned when they cashed it clearly has XXXX water Board and they clearly deposited it into a personal bank account which makes no sense, shows they did not verify the ID to who the Check was made out to. Also shows they did not verify that a person should not get a check written out to XXXX Goverment Agency.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$2600.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1100.00} Account Type : Charge account Payment Frequency : Not applicable Credit Limit : {$1500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been denied credit based on unverified public records, I reviewed my credit report and noticed that US Bankruptcy Court, District Court of Maryland has a public record on my report. I have requested the XXXX XXXX and Transunion to provide how the information was verified. The US bankruptcy Court District Court of Maryland can not provide the procedures in which they verified this record with the credit bureaus. 
With this information not verified, I'm requesting it be removed from my credit report immediately. 
XXXX, XXXX nor Transunion can not verify how information was obtained.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report.

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer.

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer.

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter.

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice.

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. These items are not transactions conducted by me as a consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Account access restricted and cant use card for transactions. Have 4 total accounts with them. I use them for XXXX, for occasional work deposits- I am in an XXXX XXXXXXXX as a XXXX XXXX XXXX for XXXX XXXX XXXX. I get XXXX payments for rental properties occasionally. This goes to my ally account. I pay all taxes on all these payments. 

Ally called me to review I says everything was good. Then 20 minutes later they restricted my account. I have deposited {$30000.00} checks here that have cleared without notice. I appreciate ally bank because they are very responsive usually. But here they just say the account is under eeview even though I have checks that clear lots of XXXX payments. I have never disputed a transaction ever. They need to unblock my account.
Consumer complaint received 2023-09-25
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: Self Financial Inc. (TX)

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

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : SELF/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you