davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (PA)

This is a complaint to XXXX, Equifax, and XXXX for the completeness and/or accuracy of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ 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 XXXXXXXX XXXX These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication . The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. 

As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ EQUIFAX, XXXX, XXXX ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-11-21
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. (CA)

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 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.
Consumer complaint received 2023-12-11
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: AMERICAN EXPRESS COMPANY (IN)

I received an Amex Gift Card from my company for {$100.00}. It will not work at any online website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all were declined on XX/XX/. I verified on XXXX and confirmed the card has been activated and only have a XXXX hold from XXXX. I have received Amex gift card for years from my company and have always been able to use them online, however the last 2 I received both decline no matter the amount or website I try. I was on hold with customer service for over 3 hours XXXX XXXX XXXX only to be disconnected when the CS agent answered. I found that many others are experiencing the same issue and think this needs to be resolved as I now have {$100.00} in money I can't use.
Consumer complaint received 2023-04-29
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. (MD)

There have been negative collections and hard inquiries reported on my credit reports due to identity theft I have disputed this collection and inquiries with the credit bureaus yet these collections and inquiries were place on my credit report.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (NY)

My account with mercedes benz financial account number XXXX have been charged an undisclosed amount of {$1500.00}. When I called up they told me it was for some attorney fees. 
The car was in a shady bodyshop who tried to scam me for {$8000.00} to release the car I was going back and forth with the bodyshop trying to get the car out. it took a few month time to finally settle with the bodyshop. Apprently XXXX financial was notify the situation and decided to get their attorney involved and tried to bill me for it. 

my account have always been on time payment and with no lates. When I called and ask them what the additional fee was for they say it was for the attorney fees. 

they never contacted me regarding hiring an attorney in either phone call / mail/ email. 
nor they have my authorization to charge that amount into my finance account. 

Origionally the attorney fee was {$350.00} posted on the account, XXXX month I looked it went to {$1200.00}. And today it jumped to {$1500.00}. 

please help me with this situation while these lenders are adding unauthorized and insane amount of fees to my account
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (PA)

On XX/XX/XXXX there was an unauthorized transaction made on my credit karma money account, which was only created to have my income taxes deposited into. The merchant was XXXX XXXX and the unauthorized transaction was in the amount of {$600.00}. I have since disputed the unauthorized transaction with Credit Karma on XX/XX/XXXX and their response to my dispute was dispute unsuccessful, we tried our best, but couldnt resolve your dispute submitted. They also informed me that I could not appeal their decision and it was final. Upon speaking with XXXX XXXX ( XXXX XXXX ) they told me since the transaction was not authorized on my account they couldnt help me file a dispute and that they would need to speak with the person who authorized the dispute. It is crystal clear and very apparent that Credit Karma did not do their due diligence during the investigation process or else they would have sided with me in regards to the transaction being unauthorized and fraudulent.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files 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 XXXXXXXX
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (IL)

I was buying a pair of shoes and paying with paypal, but looks like it was a scam the company started an auto pay and was billing my account every XXXX days, so i stopped it and issued a complaint with paypal, they declined my complaint and permantly restricted my acccount, but wont tell me why. i had done business with paypal since XXXX. I spoke to a supervisor, who told me there was no one higher then her i could speak to, and the decision was final. this is crazy, i have an exceptial credit rating im listed as a preferred member with paypal. ps i never received the shoes i ordered and the company i ordered from would not respond. also you asked for credit card number but they only show last XXXX digits normaly look me up by my email addess. 
I do have a receipt for the shoes i ordered it was not the company who billed me a can supply if necessary.
Consumer complaint received 2023-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/23 I checked my XXXX and XXXX XXXX accounts to find there had been 2 hard inquiries that I did not authorize or know anything about. I have tried to contact both companies but to no avail.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Consumer complaint received 2023-11-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc. (FL)

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 This complaint was submitted on XX/XX/2023. This followed the 2nd call that I had with the mortgagee and my HUD Housing Counselor on XX/XX/2023. The complaint was that XXXX XXXX DBA Dovenmuehle Mortgage was not acting in good faith while claiming to work with me on loss mitigation and forbearance on the mortgage and for withholding information needed for payoff. 
You closed the claim as you state the company responded to you? 
Maybe they told you that they sent me an offer and a payoff quote. The only thing that I received was a payoff quote. The payoff was given with less than 14 days to payoff which was including both XXXX XXXX and the XXXX XXXX holiday. 
On XX/XX/XXXX, I received a letter from Dovenmuehle Mortgage with a letter inside dated XX/XX/2023. The envelope was postmarked XX/XX/2023. The offer inside for a loan modification without financial evaluation was apparently approved six days before the postmark was printed on the envelope. The offer expired three days prior to my receiving the mailing. 
I've attached a copy of the envelope with postmark and a copy of the first page of the letter. My question is simply this, why not mention this during the second call with the DOVENMUEHLE & the HUD housing counselor? Surely for an approved offer to have been made on XX/XX/XXXX, it had to be in progress on XX/XX/XXXX. 
A loss mitigation forbearance plan is desired, however, one that it would be possible to respond to, accept, and execute would be a necessary for this to be an offer that is more than just " lip service ''. 
I did include another letter/postmark scan just to show how common it is with this company to print a letter but hang onto it for an extended period of time before adding a postmark to the envelope. This letter is dated XX/XX/2023 with a postmark date of XX/XX/2023. This letter sat around waiting for over 2 weeks.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX of XXXX  checks were stolen from our mail box one was cashed in which the individual change the name of the Payee by altering the check. I bank with Chase and contacted them to put a stop payment on all the checks that were stolen. Only a check was processed by XXXX  XXXX XXXX for the amount of XXXX. I gave Chase all this information check number, amount and their staff put in the wrong information. This is what they claim reason why the check was cashed. Chase has not returned the money even though I bank with them and they told me that XXXX  XXXX XXXX is responsible. I need help in getting this issue resolved and money return. I gave Chase the information to place a stop payment on check. They didn't enter the correct information and now they keep pushing me along that it could take up to 90 days to resolve the issue. its been 365 days and issue has yet to be resolve. Please help.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX   XXXX  Public Record Date Status Amount Legal Item Apr  XXXX ,   XXXX   Paid {$6900.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Apr  XXXX ,   XXXX   Status Paid Amount {$6900.00} Classification Legal Item Type  XXXX  Contact Details  XXXX   XXXX  SESSION  XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with TransUnion, please wait for your prior dispute request to be processed or contact TransUnion directly.   See the details here  XXXX   XXXX   XXXX  on your credit report This debt is with  XXXX   XXXX   XXXX . I have included the doc number and phone number. This debt was never mine. It has been paid in full but still remains on my TransUnion report. You need to contact them at the number indicated above and have it completely removed as a public record. Thanks
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I reported my XXXX lost on an XXXX XXXX flight. I was traveling XXXX. Was on a flight from XXXX to XXXX then on to XXXX XXXX. I took the code off as I was watching a movie on the flight. I put my XXXX down on a seat to help my mom who has mobility issues get off the plane and rush to our next flight. I realized I left my XXXX the next day after unpacking and it was not there. My XXXX and my phone are connected. I reported my XXXX lost through XXXX XXXX. Will include documentation. So every text message and call goes through both. Someone had access to my XXXX and all my information. They XXXX someone {$1600.00}. I contacted Bank of America and told them what happened. Sent me to there XXXX XXXX and put in a fraud complaint. Never got any email from them other then tips against fraud and scams. I contacted them on the XXXX about status and was told that because a code was sent that I would not be getting my money back. Once I got back home ( tried to have a good time in Hawaii. Thankfully most things were prepaid. ), I sent Bank of America proof that I put the report in the same day the fraud was found out. Still not giving me my money.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sensible Auto Lending, LLC (NJ)

Hello. We, XXXX XXXX XXXX, a used car dealer in NJ paid off a vehicle loan on XX/XX/XXXX and still have not received the vehicle title or XXXX release. We have been leaving messages for the bank since XX/XX/XXXX with no return calls. 

Bank : Sensible Auto Lending, XXXX Old XXXX XXXX, XXXX XXXX, XXXX CT XXXX Check # XXXX for {$6900.00}. 
Vehicle we took in on trade and paid off was for XXXX XXXX on a XXXX XXXX XXXX XXXX XXXX. The account number was XXXX. 

Can someone please help me obtain the title and/or lien release for this vehicle? It is my understanding this bank is now out of business.
Consumer complaint received 2023-11-21
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc. (MI)

I was asked for all 3 credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (LA)

This company is constantly trying to steal the money the state sends to help me and they do whatever to cover their tracks. First time they told me I had to get paperwork filed and notified, which cost me money. I told them I was waiting for help from the state and they said I still needed to have to paperwork done and they would figure it out when the money came. They tried keeping the money and using the excuse that I had that paperwork done which they told me to do. I had to file a complaint to get it applied to where it should be. Now the state sent more money and they stole that and said it went to my escrow shortage, which by the way they went up significantly on my mortgage using the same excuse about an escrow shortage. I have already talked to the state who sent the money and the said the money was sent to help me with monthly payments. There is no way I was {$9000.00} short in my escrow but this company will do whatever to cover their tracks to keep the money. I need genuine help, I need to know who I can go to to really get this resolved. They are stealing from people who need it. I was in a bad accident and have my neck, back and a rib broken and can not work right now. That money was sent for my mortgage payments but this company practices shady tactics to steal money from people
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX I wanted to buy tickets to the XXXX XXXX  show in XXXX. I placed a tickets wanted ad on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Almost impossible to find. I was emailed then called by a man who said he had the tickets I needed. We spoke at length. He then emailed me a photo of the tickets. After emailing, texting and speaking with him, I felt comfortable paying him for the tickets. He asked that I send the payment under the friends and family listing. I've done that before with no problems. He said I'd get the tickets in about XXXX minutes. They never arrived. I spoke with him repeatedly but still no tickets. I immediately called Venmo, explained what happened and provided all his contact information. They assured me that they would help me. They also said my case would be expedited. I was contacted by Venmo the next day and they said they'd had problems with this person before. But that didn't matter. I would receive no refund. They knew this man was a criminal and did not care. Venmo aided and abetted a thief. This is a perfect example that once Venmo takes its profit from the transaction, they do not care about scammers using their company. It's dishonest and despicable that Venmo would act in this manner.