davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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: Experian Information Solutions Inc. (TX)

Experian is reporting inaccurate of information and refusing to change it. I called them 7 times to get them to remove it and they refuse to do so. In fact I spoke with a rep names XXXX and he was rude and refused to let me speak with a supervisor. Also they get there info from consumer agencies not the actual court. The are reporting 4 bankruptcies and I don't have any. The other reporting agencies have removed them. Experian is the only reporting agency refusing to removed them. Please help me get this done the are violating my rights.XXXX also told me the CFPB cant make them do anything.
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (GA)

I discovered that some of the information was erroneous. The Equifax ad XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$0.00}.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

My car was broken into in XXXX, resulting in my Chime debit card being stolen and fraudulent transactions being made. I filed a dispute with Chime in XXXX, and was told it would take approximately 90 days for a result. On XX/XX/XXXX, I called again for an update on my dispute. I was informed the dispute was denied in a day, proving the company didnt have enough time for an adequate investigation. I asked the representative to reopen my dispute, and she agreed to. I have email documentation where I sent chime support the police report numbers again. Today is XX/XX/XXXX, and I called for an update to be informed my case was never reopened. It has now been 3 months since almost every dime was stolen from me, and they are refusing to cooperate on reimbursing the stolen money.
Consumer complaint received 2024-01-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received an AMEX gift card in the amount of {$150.00} from my employer. I tried using it 12x to buy various items the past 3 days, online. The AMEX site says it should be useable just like any credit card after activated, which I did. I can see the balance on the site, and every time it gets an attempted purchase ( which it declines ), it removes XXXX cents from my account and does not return it as a temp hold. So now my balanced is below {$150.00}. I've tried {$150.00}, {$50.00}, {$25.00} purchases. None work and there is no reason given. I was on an XXXX chat for 30 minutes yesterday and they could not figure out why it won't work. But they could not help me.
Consumer complaint received 2023-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (MD)

I am filing this complaint against XXXX XXXX represented by Glasser and Glasser PLC, related to an ongoing lawsuit for an alleged debt, which was the subject of previous CFPB complaints ( XXXX  and XXXX ) in XX/XX/XXXX. These complaints addressed Discover Bank 's failure to provide necessary documentation to validate the alleged debt. 

Despite my requests for debt validation, XXXX XXXX through Glasser and Glasser PLC, filed a lawsuit on XX/XX/XXXX, without my knowledge and while the debt validation request was still pending. This was before their response to CFPB complaint number XXXX on XX/XX/XXXX, which was my first indication of the lawsuit when XXXX XXXX mentioned it in their response.

In a court filing on XX/XX/XXXX, Glasser and Glasser claimed that on XX/XX/XXXX, I evaded service, an assertion I categorically deny. This claim of evasion of service is particularly concerning as it could have led to a summary judgment against me based on false information. A copy of the documents filed by Glasser and Glasser is attached, unfortunately I have yet to receive a copy of the case information from either party and can not provide at this time.

I am concerned about the potential violation of fair debt collection practices and request a thorough investigation into these actions by XXXX XXXX  and Glasser and Glasser PLC. The opposition noting the evasion of service is attached.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AR)

Cfpb, XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX, and the new servicer of my loan is Rushmore Loan Management Services . On XX/XX/2022 I wrote a inquiry letter to Rushmore Loan Management Services requesting a copy of my XXXX mortgage statement, payment information and any other documents related to my loan. My loan is current and in good standing. Rushmore loan Management has not sent me any of these documents that I have requested. I called Rushmore loan management customer service and was able to get my new account number and was told my account was being audited. My account is current and in good standing. I made my XXXX mortgage payment on XX/XX/2022 to Rushmore loan Services by XXXX XXXX. My XX/XX/2022 balance should be {$21000.00}. I am current on my mortgage payments and I would like the information I requested. I would appreciate it.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

On or about the yearXX/XX/XXXX my mortgage company was XXXX XXXX XXXX. I was put on a program of weekly mortgage payments, applied weekly, to save on interest. I was told by the XXXX representative that by implementing this program with applied weekly payments, my 30 year mortgage would become a 17 year mortgage. 
In XX/XX/XXXX my mortgage was sold to Ocwen Loan Serviving LLC. Upon looking at my online statement, I noticed that my weekly payments were being held in suspense and not applied to save interest as originally intended through XXXX. 
I spoke to a customer service representative today. I was told that Ocwen doesn't have this type of program. I responded that I didn't ask for Ocwen to take over my loan and was never told that weekly applied payments was no longer available to me.I asked what my recourse was and was told there really isn't anything they can do. 
I feel that that both XXXX and Ocwen are at fault here. XXXX shouldn't be selling a loan to a company that can't replicate applying funds on a weekly basis. Ocwen shouldn't be buying a loan for the same reason.
Consumer complaint received 2024-01-05
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: DISCOVER BANK (KY)

Discover randomly decided to close my credit card after asking for my tax return information. I gave them what they asked for and they still closed my account, damaging my credit by doing so, even after using them with no issues for XXXX years. I had XXXX dollars balance on this card. 

Come to find out, my card has been getting charged payments for XXXX dollars every single month, sometimes XXXX  a month, for a year. My account was closed on XX/XX/XXXX. 

Discover did NOTHING to fix this. Their customer service is useless. Here are the charges and the dates : 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
Consumer complaint received 2024-04-11
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. (FL)

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 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Chase advertise on their website some " Chase offers '', to " Add deals to your card, shop and get cash back. It's that easy. '' I added one of these offers to my Chase Credit Card : 20 % off when buying directly from XXXX by XX/XX/XXXX ( see attachment ). 

I bought a {$100.00} XXXX XXXX directly from XXXX on XX/XX/XXXX, 2 days before the expiration date for the offer ( see attachement ). 

XXXX posted the charge on my account when they shipped the product on XX/XX/XXXX ( see attachment ) and I never received the 20 % credit as advertised by Chase. 

I called the credit card customer service XXXX number on XX/XX/XXXX, and I was told that they did not have access to expired offer and that I would have to contact Chase directly by secure message on Chase.com. I sent a message on XX/XX/XXXX, and was told I had to call the customer service number on the back of the card! I called again on XX/XX/XXXX, and I was promised that my case would be escalated and I would hear back from Chase within 2 weeks. Chase never got back to me.
Consumer complaint received 2024-07-04
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: CITIBANK, N.A. (TX)

I was billed twice at a XXXX XXXX. One transaction was correct, and one transaction is incorrect. The hotel has no record of the incorrect transaction. I tried to initiate a dispute with the credit card company any they refused to honor the process.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX OF XXXX Inquired on XX/XX/XXXX ; XXXX XXXX OF XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (NY)

I entered into an new lease arrangement w/ Mercedes Benz Financial via XXXX XXXX XXXX of XXXX XXXX ( XXXX ) NY. I returned my old lease and which should have been returned in XX/XX/XXXX. And, I had negotiated with the same salesman who I have dealt w/ in the past 5 leases. XXXX salesperson named XXXX had been calling and asking if I was willing to come in and look at the new leases as I already new that I was going to be entering into a new lease. I finally made contact w/ XXXX and went into the showroom in XXXX to start the process of finding a new lease, I settled for the same car but XXXX and the incentive for me was that they were going to payoff the remaining portion of the lease up to 3 months, and I will enter a new lease payment. Because it was the end of the summer, and after XXXX weekend I went into the showroom, gave my down payment, signed my credit application. But there was a hold up on my loan due to requirement needed from the MBZ financial to approve the loan, that was approved and I scheduled a pick up date for XX/XX/XXXX at the Service center. ( That was a horrible experience ). I got my call and new payment details. Then, started getting letters from MBZ financial that I owed return least payment and other payment owed. I called and spoke to some one stating that this should have been corrected because I recieved a new lease. Then, received a new bill in which they corrected it but still stated I owed {$680.00} on the final bill of the old least. I spoke to another person from MBZ finacial and I was on the line as she called XXXX to get this cleared up. I never recieved a followup phone call. Now, ON XX/XX/XXXX, I received another bill for {$680.00} and I called on XX/XX/XXXX and got in touch w/ Manager of MBZ financial named XXXX  , who call and stated that " spoke to XXXX from XXXX and they will not honor the commitment of 2 months payment owed on the car ''. She also said that it my responsibility and the contract is not w/ MBRVC but with you ''. Iimmediately called XXXX, saleperson handling my sales and I have not herd back from him either. MBZ finacial has added negative remarks on my credit report causing my credit report to drop 99 points.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fundo LLC (MO)

This company illegally placed liens on personal accounts for debts owed by XXXX XXXX. I have set up payment arrangements with the original lender and have been paying them. This law firm refuses to remove the liens on my accounts causing undue hardship by holding my money hostage in my accounts.
Consumer complaint received 2024-01-05
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: WELLS FARGO & COMPANY (AL)

Someone purchased approx XXXX dollars worth of stuff online to multiple XXXX companies. I disputed the charges with Wells Fargo when I noticed I was missing a deposit of XXXX dollars that was supposed be deposited into my account XX/XX/2023, which it was but someone used my card multiple times and took XXXX from my account. I filed a police report as they requested but I'm still waiting on the police department to finalize/process it so I can send it to Wells Fargo XXXX Wells Fargo information informed me in a message saying they believe the charges are correct and will not give me my funds back, which makes no sense considering not once have I ever purchased or tried to purchase anything from a international company nor any kind of lottery they are saying the money went to. This can be verified by looking at my account and also XXXX XXXX  i was staying at informed me XXXX  XXXX  XXXX at XXXX in XXXX had been terminated for theft of credit card numbers when I made a comment about someone stealing my money. I included all this in the police report with my laptop, cell phone XXXX  addresses so Wells Fargo could verify the purchases were not made with any of my devices. Wells Fargo Claim : XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF EDXXXX XXXX Balance : {$1600.00}
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} DEPT OF ED/XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2024-04-03
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. (NJ)

XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Items from Credit Report Under Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear Sir/Madam, I am writing to formally request the removal of certain items from my credit report maintained by TransUnion, XXXX, and XXXX, pursuant to the provisions outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

As per my rights under the Fair Credit Reporting Act, I have thoroughly reviewed my credit report and identified inaccuracies that require immediate attention. The discrepancies I have found are as follows : Inquiries : XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX  ( Bank ) - XXXX XXXX, XXXX Closed Accounts : XXXX XXXX XXXX XXXXXXXX - Last reported XX/XX/XXXX ( This account is removed from XXXX report and should be removed on TransUnion ) XXXX  - Closed on XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported ) XXXX  - Closed on XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Last reported XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported and is also purchased twice from the original creditor XXXX ) I have previously contacted TransUnion, XXXX, and XXXX regarding these inquiries and accounts with no results. These inaccuracies have been hindering my ability to get my life on track. I have requested numerous times to have these items removed. 

These inaccuracies have a significant impact on my creditworthiness and are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and its amendments.

I kindly request that the respective credit reporting agencies conduct a thorough investigation into these discrepancies and promptly remove the inaccurate information from my credit report. Additionally, please provide me with written confirmation once the corrections have been made and the inaccurate items have been removed.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), I am entitled to a fair and accurate credit report. Failure to comply with this request within the required timeframe may result in further action, including legal recourse. 

Enclosed with this letter are copies of documents supporting my claim and verifying the inaccuracies mentioned above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the inaccurate items from my credit report. 

Sincerely, XXXX XXXX