davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Duncan Solutions, lnc. (NC)

I received a statement in the mail from Professional Account Management , LLC ( XXXX ), stating that I owed a debt that I am not aware of. Furthermore, I never conducted any type of business with this entity so I am not sure how you obtained my personally identifiable information. I do not consent to this alleged debt, and I will not be paying it. This is your notice to cease and desist all communications in relation to this alleged debt unless the debt is both validated and verified within 15 calendar days.
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: Experian Information Solutions Inc. (MO)

I have been affected by the XXXX XXXX XXXX. There are discrepancies throughout all of the major credit profiles such as XXXX, XXXX and Experian. My information has been released without my consent. These several inaccuracies within my credit profile need to be rectified and need to show the exact same through out each.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX {$150.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} Were all unauthorized transactions out of my bank account I reported the transactions to XXXX for Fraud on XX/XX/XXXX and previously in XXXX to XXXX for Fraud. On XX/XX/XXXX XXXX initiated the dispute for the transactions and requested that i sign a WUSD. I never recieved a WUSD from XXXX for signature within 10 buisness days. The case was closed and my nothing was done for my fraud dispute, due to XXXX failing to provide me with a WUSD to sign. I attempted to contact XXXX multiple times to get a WUSD To sign. 

Transactions are not listed on my disputes.
Consumer complaint received 2021-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

I had an initial mortgage with loan care ( see prior CFPB complaint ) that was finally refinanced after 7 months. I completed the closing and brought the XXXX dollars they said I needed to " catch up the escrow ''. The home that was refinanced was sold on XX/XX/2021. The closing has been pushed three times due to Lakeview not providing pay off, and payment information. The closing is now on hold because lakeview didn't pay the taxes from the escrow at the refinance. After a week of phone calls I was informed with the real estate attorney who is doing the closing for the buyer that Lakeview took the escrow funds for themselves as closing costs, plus the XXXX they had me to bring to the closing. 
The real estate attorney says there is something very fishy about this as there was no appraisal or appraisal costs and that from the documents I have the taxes are listed as an expense and not one to XXXX. No one was able to say what over XXXX was spent on. He also informed me that they can not just reallocate escrow to themselves. If the escrowed amount is to be used as intended. At this point the initial XXXX in taxes is now XXXX due to late fees and interest. The taxes must be paid for the sell to go thru as the contract can not be extended again.
Consumer complaint received 2024-02-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (NJ)

Freedom Mortgage using the law firm XXXX XXXX XXXX XXXX filed an illegal foreclosure on my home at XXXX XXXX XXXX, XXXX XXXX NJ XXXX while being protected by the VA moratorium. I received from XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ final foreclosure XXXX  XX/XX/XXXX on XX/XX/XXXX. I am a Veteran with a VA XXXX rating of 30 % with 2 items pending and a 100 % XXXX rating from XXXX XXXX. I contacted both Freedom and XXXX to advise them that they filed an illegal foreclosure on my home. This mortgage is VAbacked and is protected from foreclosure under VA XXXX XXXXXXXX  dated XX/XX/XXXX. I urge Freedom via phone on XX/XX/XXXX and email on XX/XX/XXXX to take immediate action to ensure XXXXXXXX XXXX XXXX submit an immediate order to vacate the illegal foreclosure documents with the XXXX XXXX NJ XXXX XXXX. I expressed to both parties that the severity of this situation can not be overstated, and steps must be taken promptly to protect my constitutional rights and property. As of today Freedom or XXXX XXXX XXXX have not responded. I am begging for your help to protect my home. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (GA)

XXXX, Equifax, XXXX, XXXX XXXX has disclosed my personal information without my verbal or written consent. XXXX XXXX has closed my account without written or verbal consent on a account that was current, recently at the time had gotten a credit increase and was not notified of account being closed until after they closed my account. XXXX XXXX, XXXX XXXX XXXX has lowered my credit limit due to what has been reported by another creditor which I have not given them verbal nor written to lower my credit limit. This is causing great harm and hardship to myself and family. To the creditor reporting agencies, I have sent dispute letters and advising them of fraud and Identity theft. My credit score has gone from XXXX down to XXXX!! All due to Fraud and Identity Theft. I have contacted XXXX XXXX on the phone and sent them a letter of dispute stating fraud and identity theft certified in XX/XX/2022. I called XXXX XXXX on phone after the app advised me, I was limited on credit, and they advised that my limit was decreased due what was disclosed from another creditor. I advised them verbally that that they did not receive anything from myself requesting a decrease verbally or written and that was identity fraud. This is against my privacy and information that has been report is inaccurate. I have contacted the IRS.GOV and gotten a 9-digit pin as well as put in an Identity theft with FTC.GOV
Consumer complaint received 2024-02-01
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: LEXISNEXIS (OH)

I have disputed LexisNexis several times on why my report has incorrect information like my bankruptcy XXXX XXXX XXXX as the provider of the record on page XXXX and why on page XXXX it shows " Record 1 Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ''. Each time LexisNexis stated that they did a proper investigation and stated that XXXX  and or XXXX XXXX XXXX provided that information. However, on XX/XX/year>, I sent a letter to the XXXX  XXXX XXXX XXXX and an email to XXXX XXXX XXXX asking do they report bankruptcies to the credit bureaus and I got a response stating that " They do not report any bankruptcies to anybody. '' Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right under 15 USC 1861.

According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.

According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
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. (AZ)

I never applied to the following places but see all these inquires on my credit report. 
Based on Fair Credit Reporting Act and by law all information on my credit report being accurate I would like to have these removed asap. 

Hard Inquires =========== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-16
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Early Warning Services ( EWS ) gave me a report that listed the transaction I have with XXXXXXXX XXXX XXXX XXXX XXXX XXXXk, and more. This should not be the case ( EWS ) is violating long standing privacy laws, rules, and Acts. A notable one is under 15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; Early warning services is a third party non affiliate and did not gain my permission for believe or in writing. 
This is a violation of my privacy. I ask for early warning services. If you have reason to believe that you do or are you allowed to have this information and to report set information? Please provide me with proof Add with proof that any of the affirmation Financial institutions gave you this.

And at this does not go against their privacy statements.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 6803 - Disclosure of institution privacy policy,
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: Early Warning Services, LLC (CO)

Early Warning Systems has in their possession, without my written permission, my non-public personal information and is in violation of the XXXX XXXX XXXX XXXX. Early Warning Services has obtained my information without consent from me. Early Warning Services has disregarded the Fair Credit Reporting Act and its the laws. Early Warning Services is a third-party servicer and credit reporting agency. The FCRA clearly states a credit reporting agency can only produce a consumer report with the written permission of the consumer to whom it relates. Early Warning Services failed to provide the contract between their corporation and me. Early Warning Services has not provided me with any permissible purpose and without that they do not have a right to report fraudulent accounts to my consumer report. Early Warning Services furnished information from banking industries under my information which I did not have any known knowledge of, nor have I ever contracted with them or gave them permission to use my information. Early Warning Services is in violation of the FCRA which clearly states financial institutions such as Early Warning Services must provide a consumer with an opportunity to opt out of any reporting of non-public personal information. Early Warning Services is in direct violation of the FCRA. Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclose [ e ] to [ any ] consumer : ... [ a ] ll information in the consumer 's file .... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages up to {$1000.00} per violation, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ). I demand Early Warning Services remove all items/accounts from their system, as I have opted out of their services per 15 USC 6802 , even though I was never properly given my right to opt out disclosure because I never opted into their services to begin with. Per Early Warning Services definitions I am a fraud victim of identity fraud from the accounts reporting from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX North Carolina, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and need all items furnished to be deleted from the Early Warning Services data base immediately.
Consumer complaint received 2018-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (AZ)

This is a complaint from XXXX XXXX against Perfection Collection for Perfection Collections failure to provide requested information for the debt alleged. Perfection Collection has been reporting an active account on Consumer 's credit report. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Creditor responded with documentation that is insufficient for showing validity of this debt and the ownership of this debt by Perfection Collection. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Since XXXX of 2022, someone is registering my credit card to his XXXX wallet and spending my Chase rewards points. 

I talked to Chase, but they only give points back, not resolving the issue. 

So, the issue is still on-going. 

I talked to XXXX, but they said they can not figure out what is going on. 

Chase confirmed that my points is used by XXXX wallet. 

Even if I replace my credit card, it still happens.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (SC)

I am filing this complaint due to an unjust debt collection attempt made by CREDIT MANAGEMENT claiming that I owe a debt for XXXX XXXX services at an address where I have never resided or authorized services. 

XXXX XXXX of the Dispute : Incorrect Service Address : The debt collection notice states that the services that they provided. I have never lived at this address nor have I ever authorized or utilized XXXX XXXX services there. 

Absence of Wet Signature for Service Agreement : Importantly, I have never signed any service agreement with XXXX XXXX, especially not for the address mentioned. A " wet signature '' ( a physically signed document ) is typically required for such agreements, and no such signature exists from me, as I have never engaged in any contract with XXXX XXXX. 

Time Period of Alleged Service : The alleged service period. Throughout this time, my actual residence was at [ Your Actual Address during that time ], which can be substantiated with [ mention any proofs like lease agreements, utility bills, etc. ]. 

Account Information : The debt collection notice references account number. I have no knowledge of this account and reiterate that I have never entered into any agreement with XXXX XXXX. 

Request for Validation of Debt : I request comprehensive proof of this debt, including a copy of any service agreement bearing my wet signature, details of the service provided, and any evidence linking my identity to this account. 

Impact on Credit Score : I am highly concerned about the potential negative impact of this erroneous claim on my credit report and request that all related negative reporting be immediately rectified. 

Sought Resolution : Given the absence of any valid agreement or service usage on my part, I request the following : Immediate cessation of all debt collection attempts related to this claim.

A formal acknowledgment of the error and confirmation of my non-liability for this debt.

Immediate correction of any negative information furnished to credit reporting agencies concerning this matter. 
This situation appears to be either a case of mistaken identity or fraudulent activity. I am willing to provide further necessary documentation to aid in the swift resolution of this issue. 

I appreciate the CFPBs assistance in resolving this matter and protecting my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
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 (CT)

I purchased a American Express prepaid card from XXXX on XX/XX/XXXX at XXXXXXXX XXXX. I attempted to make a purchase on XXXX on the same day a few hours later, and it didnt go through. I did research about this and others experienced the same issues. 

At around XXXXXXXX XXXX  on XX/XX/XXXX, after attempting to make other purchases both online and in stores and having them decline, I called the AE customer service. 
At XXXX I was forwarded to someone who asked me about info on the card. He told me he verified the card and to wait 24 hrs and try to repurchase the same XXXX item, and around XXXX today i tried it again and it still didnt go through.
Consumer complaint received 2023-12-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (ID)

I was buying a hot tub. The hot tub dealer indicated that they had 1 year free credit options, through Wells Fargo. I thought that was a good deal since I knew I would be able to pay off the full amount in a year without incurring any interest. So, I bought the hot tub for XXXX from the dealer by enrolling in the wells fargo loan program, on-site with the dealer. This was in XXXX. The hot tub got delivered and everything seemed great. I enrolled in on-line banking with Wells Fargo because I wanted to watch the loan closely. I knew of Wells Fargo 's past history of abuse and I did not want it to happen to me. In fact, it had already happened to me in XXXX when they tricked me into opening up unnecessary accounts just so I could get a debit card and then they claimed it would not cost me anything but then they drained my account dry through fees that were undisclosed. They paid me back my money when I threatened to sue them but then I learned it was their pattern of practice when they got in trouble in XXXX or whatever. Anyway, I was watching the loan closely and I saw that it claimed a payment was due. I assumed it was a mistake because it was supposed to be an interest free loan for a year and I just had to pay it all back within a year and it would cost me nothing. However, sometime around the 60 day mark, I got a default notice in the mail, claiming I was in default. I called the phone number in bewilderment. They then explained that even though it was an interest free credit extension, I had to pay a monthly fee of like {$70.00} in order to keep it from going into default. I was angry because no one had told me that during the purchase process. The person on the line seemed uninterested in that or uninterested in trying to confirm if there had been an error made by the dealer in failing to explain the terms. I did not want there to be a big problem that could impact my credit or cause me to have to pay a bunch of interest. So, I asked to be able to pay the two payments and get out of default and just pay the rest of $ 270 monthly payments going forward. They said they could let me do that. So, I just dropped the issue and made the payments, since it was not worth my time to fight with them about the misrepresentations. Had they just been honest with me upfront, I probably still would have accepted the same credit and bought the hot tub with it. But it made me mad that they misled me, purposefully or accidentally. I assumed it was accidental. However, reading all the enforcement orders by the CFPB regarding how these finance companies mislead people, I thought it was worth submitting this complaint, even if way after the fact. Thanks for reviewing this and all your hard work in these areas holding these greedy companies accountable for misleading people.