davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Cell : XXXX e-mail : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Regarding Duplicate Reporting of Nissan Motor Account by XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. I am writing to bring a matter of significant concern to your attention, about the credit reporting practices of XXXX, XXXX, and XXXX, the major credit reporting agencies. 
Upon a recent review of my credit reports from all three agencies, it has come to my attention that the same Nissan Motor account is being reported twice by each agency. This duplication is not only inaccurate but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the reporting of a single account more than once. 

Details of the duplicate reporting are as follows : Account Name : Nissan Motor Account Number : XXXX Reporting Date : XX/XX/XXXX The presence of this duplicate entry is not only misleading but is also adversely affecting my creditworthiness. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, with the duplicated entries highlighted for your reference. 
I have diligently attempted to address this issue by disputing the inaccurate information directly with each of the credit reporting agencies. However, despite my efforts, the duplicate entries persist on all three credit reports. 
Enclosed with this letter, please find the following documents : XXXX. Copies of my credit reports from XXXX, XXXX, and XXXX highlighting the duplicate entries. 
XXXX. Correspondence with each credit reporting agency regarding the dispute. 
I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter thoroughly. The repeated and inaccurate reporting of the same account not only violates the FCRA but also undermines the fundamental principles of fair credit reporting. 
I am seeking your assistance to ensure that XXXX, XXXX, and XXXX rectify this issue promptly, correct my credit reports, and adhere to the legal obligations outlined in the FCRA. Your intervention is crucial in restoring the accuracy and fairness of my credit history. 
Thank you for your attention to this matter. I appreciate your efforts in upholding the rights and protections afforded to consumers under the FCRA. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

The company is transworld system llc stating that I owe XXXX since XX/XX/2020 for utilities I do not acknowledge this debt this is against US CODE 1681 and is a defamation to my character and livelihood I have filled an identity theft report
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

I am writing to bring to your attention a concerning issue related to a recent transaction conducted through the Remitly APP using my Bank XXXX XXXX XXXX The details of the transaction are as follows : Date of Transfer : XX/XX/2023 Time of Transfer : XXXX PM EST Amount : {$6900.00} Original Recipient : XXXX XXXX XXXX XXXX Original Reference Number by Remitly : XXXX I opted for the express delivery service, which the merchant ( Remitly ) failed to fulfill within the specified timeframe. Subsequently, the merchant requested additional personal information, including my documents such as Social Security, XXXX, and Driver 's License, to verify my identity and transaction details. Despite providing the required information promptly, the transfer did not occur as promised. 

Following numerous attempts to seek updates on my transfer, I received an email and text from Remitly, dated XX/XX/2023, at XXXX PM EST, confirming the completion of the transfer. However, to my dismay, the recipient 's name had been changed to XXXX XXXX XXXX XXXX, and a new reference number, XXXX, was assigned, without my authorization or consent. I hereby declare that I do not know the individual named XXXX XXXX XXXX XXXX, and I have no relationship or association with him. The unauthorized change of the recipient 's name to XXXX XXXX XXXX XXXX in the Remitly transfer is a matter of serious concern, and I affirm that I did not initiate or approve any such alteration to my transaction. 
I immediately contacted Remitly seeking an explanation for this unauthorized change and requested a refund since it contradicted the original terms and conditions agreed upon during the transaction. In response, Remitly closed my account, initiated a claim on file, and instructed me to contact my bank for further assistance. Despite my inquiries, Remitly has not provided any explanation for the change in recipient and reference number. This was an internal fraud by Remitly.

I would like to emphasize that, as per Remitly 's terms and conditions, any alterations to a transfer are prohibited after the transfer receipt or upon reviewing. I did not authorize or initiate any changes to my transaction. The actions taken by Remitly are in clear violation of the agreed-upon terms.

I kindly request to investigate this matter thoroughly, retrieve the funds transferred erroneously, and take appropriate action against Remitly for their unauthorized changes and failure to comply with agreed-upon terms. I am more than willing to provide any additional information or documentation required for a swift resolution of this issue. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC (CA)

I refinanced my manufactured home in California in XXXX. During this process, the new mortgage company XXXX United Wholesale Mortgage/UWM XXXX XXXX to make the necessary insurance payment to American Modern XXXX XXXX XXXX XXXX XXXX cancelled XXXX policy due to non-payment. I have had an escrow account, as you do, since I bought this home in XXXX of 2020. During the refinance process, I did the same with the new company and had the escrow set up as a term of the mortgage. United Wholesale Mortgage told me over the phone that they 'attempted to contact ' the insurance company to change the name of the payee of the insurance policy and said that they, 'did not get a response ( from XXXX XXXX ), and therefore did not make the payment and would not until they were listed as payee. ' They are now threatening to impart their own insurance plan which is 'more expensive ' and XXXX not cover my interests '. It would be impossible to get insurance coverage presently in the state of California if we didn't have the CA XXXX XXXX which is minimal coverage at best and costs more than my previous policy. I want to take legal action against United Wholesale Mortgage, and this is where I am starting the process. Thank you for your time.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

I received a credit request denial on XX/XX/2024 for a bank that I never applied for called SYNCHRONY HOME. I tried to contact them but their number was a dead end. It does not say how much the credit was for.
Consumer complaint received 2024-01-10
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 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XXXX and XX/XX/. I have reached out to all major credit bureaus to provide the following information a copy of the original contract with signature, a copy of the payment history, the name and address of the original creditor and proof of collection authorization. After several attempts I have yet to receive the requested information
Consumer complaint received 2024-01-10
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. (NJ)

These accounts on my consumer report are illegal and inaccurate. I never gave any company or credit bureaus permission to report to my consumer report and they are reporting fradualent information. The companies dont seem to fact check the information they are illegally reporting and are giving me a hard time getting these account updated/remove because they are effecting my day to day life. I have tried to communicate with the bureaus through written and verbal communication. This a aggravated identity theft per 8 U.S. Code 1028A.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (GA)

I opened a Regions Bank XXXX, Alabama account online in the last week a XXXX XXXX account. I called them today XX/XX/XXXX about other matters and simply asked about if I decided to close the account in the future do I need to go into a branch since I did not see a closing option online. I was told that a " {$25.00} charge would be assessed on any account open for less than 180 days ''. I have the printout of the " Personal checking, Money Market, savings, Time deposit & IRA accounts Pricing schedule '' ( effective XX/XX/XXXX ) on opening the account and nowhere is that charge mentioned. I think that that may be consumer fraud.
Consumer complaint received 2024-04-06
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. (TX)

Subject : Request for Removal of Negative Amounts from Credit Report XXXX  XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXXXXXX XXXX : XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXXXXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX  : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-10
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Moore Legal Group, LLC (NJ)

Approximately two years ago, I signed an agreement with Meadowbrook legal and entered into a debt consolidation program. I was making payments to them in the amount of XXXX a pay period every two weeks this went on for about a year and a half up and killed the point to where I was out on XXXX XXXX. I could not afford to pay that money when I was told that there was no more money left in the account and then I was in jeopardy of defaulting the two credit card companies that they made a deal with this deal included monthly payments. This is not what I was told so I finally looked into my account and realized that 95 % of all the money that I gave them went into their pocket as fees, they did absolutely nothing. In fact, the one company that they said that they were actually an active negotiations with XXXX XXXX is now garnishing when I pay unfortunately, I have no path to recover this money or any of it or I dont believe I do, I did it in good faith, I can not believe companies like this exist, and now my only option is declare bankruptcy
Consumer complaint received 2023-09-20
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)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. 

The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MD)

I received a letter from Credit Controll LLC. XXXX seperate addresses are listed- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MI Credit Control , LLC XXXX XXXX MO XXXX I went to the Credit Control website and called their customer service. I was asked to give my full name, reference number , street address, and last 4 digits of my social security number. I declined to give the last 4 digits and was told I had to so I did. 

I requested information about my debt from XXXX XXXX XXXX XXXX, XXXX and was hung up on. I called three times and each time I was hung up on. I also emailed Credit Control , LLC directly requested written documentation and did not get an answer. 

I tried calling XXXX directly but was told that they can not provide information once a debt is given to a debt collector. 

I have written documentation from XXXX that I completed payments for my lease. My XXXX XXXX account also shows that this line of credit has been closed. 

I am unsure if this was a scam. I did not pay any money to the company, but I did provide the last 4 digits of my social security.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OH)

In accordance with the fair credit reporting act XXXX companies has violated my rights.

15 USC 1681 section 602 states i have rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Summit Consumer Group (MA)

I got repeated calls saying, " A complaint is being filed against you that requires your immediate attention ... '' They left this number to call : XXXX. 

When I called they informed me that XXXX was suing me for an unpaid bill of {$1000.00}. No such bill exists. However I did have a bill with XXXX that totaled {$160.00}, a different debt collector had it and it was paid off. 

There were XXXX people that I spoke to within this offic. I informed them that I believed it to be a scam and tried to request more information and XXXX of them transferred me and XXXX of them hung up on me. I finally got someone who gave me more information and he informed me that they could have received this bill by mistake but that I should still prove that it had been paid. The offer was to prove payment, handle it outside of court by paying them 60 % upfront or all of it through payments or being taken to court where I could fight it. 

Their website does not look completely real and they use a false address, that when searched on XXXX maps give a ups location.
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum (OH)

I received a call from an 'unavailable ' number ... as did my mother, my father, and XXXX of my sisters on their cell phones ( none of whom I 've lived with for over 20 year ), from a woman claiming to be 'Investigator XXXX XXXX from XXXX '. She claimed that she was notifying me of a certified court summons that she was hired to deliver to my home or place of employment on XXXX/XXXX/16. And that if she does appear at my place of employment, she will need my supervisor present as a witness and that I will need XXXX valid forms of identification. If I will not be available or I wish to resolve this voluntarily, I may contact the 'petitioner ' ; they are requesting to speak with me beforehand. Their number is XXXX, and then gave me a case number XXXX. Failure to contact the filing party will result in her coming out with a uniformed officer, as well as being issued a body attachment. She finished her voicemail by saying 'Thank you and good luck ... you have been legally notified '. First of all, I have had a legitimate court summons sent to me years ago after my divorce for a credit card bill that my ex did n't pay. No one called me first ; no one called my family members ; no one threatened me with police at work. It arrived from the mailman as a certified letter. Period. That is how all real legal court summons work. Do not let these people scare you into giving them money over the phone. I called the number XXXX ' left me & the voice on the 'automated answering system ' was this same XXXX ' person. When I finally got transferred to someone, the guy who answered claimed ignorance. I told him this person said you wanted to talk to me, why would she say that if the case is no longer in your office?? I raised my voice real loud & informed him that this call was being recorded and they had better stop calling me & my family & harassing me ; that I am going to report this wherever & however I can to help avoid others become victim to their scam and extortion. He claimed he was notating my account.
Consumer complaint received 2024-01-10
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 (NY)

I made a purchase from XXXX on XX/XX/XXXX, package delivered on XX/XX/XXXX while I was away. That along with a second package was stolen from the mail area. Disputed with Amex XX/XX/XXXX, which was rejected. Dispute was resubmitted and denied again XX/XX/XXXX. Retailer will not provide refund and redirected me to XXXX to file claim and an error message keeps appearing instead.