davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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. (TX)

Applied for loan on XX/XX/2023 but was unaware that the inquiry didnt accompany approval because I was already approved for XXXX post submitting ssn but was left pending for docs that werent specified beforehand so i contacted supervisor XXXX and said Id like to rescind my application if I can have it sent over with the necessary rescission disclosures as non were provided nor discussed at time of applying. I will be notifying the IRS for tax purposes upon the event that the application can not be returned to the beneficial owner of all titles, rights, and interest that came as profit out of the transaction in the form of credits or federal reserve notes I demand it all returned as it is unearned interest due back to the principal IMMEDIATELY. I have proof that a transaction occurred per my consumer report so I will also be forwarding this correspondence to the CFPB, FTC, and SEC in the event we can not reach an amicable resolution. I only Will correspond via email or us postal service certified mail when addressing this matter so that I have record of me coming with clean hands and in good faith in the even of your company defaulting or acquiescing. Application can be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX if no application arrives within ( 5 ) days you tacitly agree to a near future lawsuit as me being the awarded plaintiff for whatever damages the law provides as well as an and out of court separate settlement due immediately in the amount on the face of the instrument times 3 in the form of a wire transfer. And the company that ran my report was not the company that I was in negotiations with and they forwarded over all of my property which 15 usc 1681 states the consumer has the right to privacy. Informed supervisor XXXX that all correspondence will be forwarded to the proper authorities for paper trail to legal actions because now it has become theft because they wont return the property or return the proceeds from The transaction per 12 usc 412. No lawful consideration was performed on behalf of speedy cash which tried to convince me that my application was still in review after my credit was already strong-armed and secured.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I recently reviewed a copy of my consumer report I was shocked to learn I have been a victim of identity theft, I have numerous accounts on my consumer report that wasn't opened by me. I'm in the process of buying a house and this is hurting me please remove this from my consumer report as soon as possible.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely XXXX, Equifax and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Consumer complaint received 2023-09-03
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: EQUIFAX, INC. (TX)

I have recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.
Consumer complaint received 2023-09-14
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. (MS)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CO)

I have the chase sapphire reserve card. Or I did. I was upset yesterday on the phone and cancelled. 

Here is my complaint : On XX/XX/XXXX, I tried to take advantage of a zero percent balance transfer for 12 months that was being promoted. I was confused by a notice I got that said it would be included in my overall balance and was afraid Id have to pay it off immediately if I continued automatics payments as I had set up to pay in full. I called to inquire before doing the transfer. My impression from that phone call was that I could turn off automatic payments and pay any balance over the {$12000.00} I was planning to transfer for the 0 percent apr for 12 months. My impression was that if I did this I would avoid additional interest and fees on other purchases. Its possible I misunderstood, but this was my impression. I did the transfer and paid the 5 % transfer fee of {$600.00}. Ive noticed several fees since then so I called yesterday to inquire. Im told that when I apply payments above the minimum amount due that it automatically goes to the lowest interest in my balance. ( My balance transfer is now down to something in the {$9000.00} range ). They say that I can not specify that I want my payment to go toward other purchases first. The only way to avoid paying interest on new purchases is to pay off my transfer first. Im not the most credit savvy but a brief search online tells me the credit CARD act of 2009 should allow me to pay higher interest first. The person I spoke to yesterday tells me that, even if they reviewed my call from XXXX before I did the transfer and they confirmed I was told by their agent that I could pay any balance above {$12000.00} and not accrue more fees for interest, it was false information from their costumer service and legally Id still have to pay off my zero percent transfer before I can apply any payments to higher interest purchases and be accountable for all interest fees Ive already accrued. This feels very deceptive at a minimum. Is it legal for them to not allow me to pay my balance toward higher interest purchases first?? Thank you.
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: Mr. Cooper Group Inc. (PA)

Nationstar Mortgage LLC AND Mr. Cooper was involved in a data breach i also opted out of Mr. Cooper and Nationstar Mortgage LLC sharing Information with 3rd Party non Affiliates several months back in a prior complaint that they responded to and this data breach shows they are still sharing information upon my opt out they are in Violation of Thr Privacy act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) This Data breach has caused Harm to me with my personal identity and bank account information being leaked during this breach. 

Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MO)

Zion Debt Holdings reported to my credit that I owe over XXXX for XXXX. This is false information. I contacted XXXX and they stated that I owe {$540.00} and didnt have information about Zions Debt Holdings XXXX They actually transferred me from the collections department to a different collections agency which was not Zions Debt Holdings. XXXX provided me with a letter stating how much I owe and what a reinstatement of services would cost including 1 month of service which is {$670.00}. This letter came from the XXXX XXXX for billing at XXXX. The representative I spoke with at Zion Debt Holdings tried to tell me that I only paid 1 month for service ( I used XXXX  for many months ) and that I signed a contract for 5 years of services. We would not sign a 5 year contract as we were renting the property for 2 years. The representative laughed at my questions and treated me like a criminal. I then filed a dispute through XXXX and shared my letter from XXXX themselves. I believe this is fraud and that the account was picked up and inflated for a money grab. I believe that there could have been a breach in XXXX  XXXX  I was unaware that I had a collections as XXXX  themselves never contacted me regarding the account in the several years that have lapsed since we had services and XXXX  themselves didnt have any information for such a company on my account. This is defamation and is very damaging as it could affect my job and seriously dropped my credit. I will be filling with my attorney if this is not resolved.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benchmark Capital Management, LLC (NJ)

XXXX called me and want me to pay full amount or will dispute at court for the company called XXXX. I called XXXX they said I dont have an account with them. XXXX have all information like SS, address, bank account ( which I dont have anymore ). They claim I took a loan from XXXX since 2018
Consumer complaint received 2016-09-28
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC (TX)

Company claiming to get my student loans reduced through presidential grants. From {$57.00} to only {$6.00} over 248 months. They collect a fee of {$600.00} for their service included in the 248 months payment. They ask for no money up front, but asked for my debit card #, mine and my husbands SS # 's, and DL # 'S. I have continued to contact them for more information and never seem to get a hold of XXXX XXXX ( XXXX ). 
As XXXX XXXX suggested, I contacted XXXX, whom my loans are through, to have loans put on hold. This is because the total amount of {$57.00} was to be paid off in XX/XX/XXXX. XXXX informed me that there is no such thing and expressed to file a fraud claim.
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (CA)

The last report I filed which was closed without any results XXXX, I am still waiting for the response from XXXX containing the ORIGINAL paperwork from XXXX XXXX that I signed holding me responsible for this charge, I do not have any current balance with the XXXX Hospital that I was tooken too, all my imaging was done at XXXX. XXXX did not inform me that XXXX XXXX would be the company too interpret the results of my Imaging reports. My insurance company has tried too contact XXXX XXXX also with no response.
Consumer complaint received 2023-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX or XX/XX/2023 I sent Bank of America a NON-NEGOTIABLE NOTICE OF ADVERSE ACTION FOR DENIAL OF CREDIT due to their adverse actions against myself as a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k.

I originally applied for a line of credit with Bank of America in XXXX or XX/XX/2023 but was illegally denied. Banks are extending lines of credit based on consumer 's own social security accounts which are linked to the US Treasury. Banks are not loaning their own assets or stocks as this is a violation of 12 USC 83. Banks are simply needed as the intermediate party to allow consumers to access their own credit connected to their social security accounts. 

When I wrote Bank of America via certified mail in XXXX or XX/XX/2023 to inform them of the violation, and to give them an opportunity to fix their error, they performed an unauthorized credit check with XXXX in XX/XX/2023. In XX/XX/2023 I had not given Bank of America permission to check my credit report and so this is an additional complaint. 

Most likely with this complaint, Bank of America will check my credit again without my permission, so I will just request the contact information for the department that accepts litigation notices and summonses to avoid wasting time.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

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

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  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
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

We started getting calls claiming they where American Express with no call back phone number or email address, but they where requesting payments over the phone. Also calling after hours late at night XXXX. We asked for more information and all they would say is time is running out for us? 

My CPA was also getting the calls and she had to block numerous numbers because they where harassing her for information and also calling late at night. The callers was a woman and man. 

My CPA stated to me that she thought it was fraud and block all transactions on the card and numbers calling harassing.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohn, Goldberg & Deutsch,LLC (MD)

I am writing to file. a complaint against Cohn , Goldberg & Deutsch , LLC for their egregious violation of the Fair Debt Collection Practices Act. I received a letter from this company dated XXXX XXXX stating that they are attempting to collect a debt and that I had I until XXXX XXXX to request validation of the debt, and if not, the debt would be assumed valid. 

In response, I promptly sent a letter by USPS certified mail tracking # XXXX in response to that letter on XXXX XXXX which was received by this company on XX/XX/2023 at XXXX, which was well within the timeframe. Despite this, Cohn , Goldberg & Deutsch , LLC failed to acknowledge the debt validation letter to provide any proof of the allege debt. Which it is now assumed invalid. 

To my dismay, I discovered that on XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a claim in XXXX XXXX, MD District Court, which not only contradicts the FDCPA but also constitutes unfair and deceptive practices. They have not only disregarded my request for debt validation but also pursed legal action without proper verification. 

It is essential to note that I have mail forwarding from my previous address to my current address which was provided to the company in the letter received by them, and I use USPS informed delivery to monitor incoming mail. Despite this, Cohn , Goldberg & Deutsch , LLC has not sent any response or validation documents. 

Within the 30-day timeframe specified by the FDCPA, all collection activities were supposed to cease and desist until validation was provided, giving me 30 days to investigate once received. However, Cohn , Goldberg & Deutsch has provided no response, denying me the opportunity to validate the allege debt. 

Furthermore, I sent another letter Dated On XX/XX/2023 which the company received XXXX XXXX at XXXX ( USPS tracking XXXX ) explicitly informing them of their FDCPA violations and the lack of grounds to purse legal action. In this letter, I emphasized that any attempt to sue would result in a lawsuit being filed against their company for damages deemed reasonable. It is crucial to note that I made them aware that their silence would be considered acquiescence, implying their agreement to be sued for any claims I may file against them. 

Despite these explicit warnings and attempts at resolution, the company has failed to respond, further demonstrating a blatant disregard to the FDCPA and a lack of commitment to their duties and resolving this matter amicably. 

Your assistance in addressing this matter and holding Cohn , Goldberg & Deutsch , LLC accountable for their actions is greatly appreciated.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

Yesterday I logged in to the Chase bank website to my checking account.I live in XXXX and my account is the XXXX completed a wire transfer of {$1100.00} to anotheraccount in XXXX .a few minutes later i got a call from the bank to verify it was me, they verified my identity and then asked me 3 security questions based on publicrecords from 20 years ago ( i lived in the XXXX XXXX that time ). I failed to answer some questions, for example " what was my land linenumber .. '' .They told me that they will cancel the wire transaction and blocked my account. 
Now, they told me to call XXXX XXXX option 2.Long distance call, wait for XXXX minutes, again have to go through XXXX questions from public record 20 years ago. and failed again for XXXX more times, spent XXXX hours on the line. 
I called the bank fraud line and explained that i can not access my account and if they keep asking me questions from 20 years ago i will fail over and over. They suggested that i try one more time and XXXX knows how i passed the test. they activated my account and initiated the transfer again, with a special note to approve it. 
XXXX minuteslater i got email notifyingthat the wire transfer was canceled and that i need to XXXX XXXX option XXXX. 

I do not know what can i do, my account is blocked because of my actions, the bank procedures protects the bank but ignores the customer.. and no one in the bank can help stop this catch XXXX.
Consumer complaint received 2023-12-15
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)

This account was part of a covid-19 forbearance. When the covid-19 forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included 3 trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.