davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRSTBANK (CO)

This morning, XX/XX/2024, I was at the First Bank branch XXXX XXXX XXXX XXXX, XXXXl, CO XXXX I spoke with XXXX XXXX because I am having problems with the XXXX application. I registered my email with XXXX ( XXXX ), for testing purposes I received a deposit of XXXX {$5.00}, which arrived without problems, I was unable to receive MY WEEKLY PAYMENT of just over XXXX {$300.00}. I received a message from the payer confirming payment via XXXX, but the amount did not go into my account but went out of the account of the person who made the payment. XXXX XXXX couldn't explain, she just said that nothing appears, she also called the bank 's online service and also said that she couldn't do anything because the money would be IN LIMBO, that I should get proof that the money was sent, but I I received a message that the transfer was made in the registration email ( XXXX ). The bank is washing its hands of the matter, the payment no longer has the money in the account and neither do I. I ask for a solution to the case, I have on file the conversations with the payer that prove the above fact.
Consumer complaint received 2024-01-31
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: SYNCHRONY FINANCIAL (ID)

On XXXX i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX  report and XXXX wer on XXXX XXXX. XXXX from XXXX  XXXX and XXXX from something called synchrocity or something like that.
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

This company is absolutely the worst mortgage company ever. I accidentally overpaid in XXXX, I realized immediately what I had done, contacted them, and they proceeded to drag their feet, then promise a refund, drag their feet some more, then say they did n't owe me a refund, charged a bunch of fees with no explanation as to what they were for, charged late fees even though they know they had an extra month 's payment, finally admitted yes they did owe me a refund, gave it to me in XXXX, but are still insisting on collecting fees that I do n't owe them.
Consumer complaint received 2024-01-31
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. (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I have a XXXX hardship, and requested a forbearance on my XXXX XXXX owned loan. XXXX XXXX policy is that the initial forbearance time period can be up to 180 days. 
PHH refused to allow my request for 180 day forbearance, and insisted that all they could do is a 90 day forbearance. I asked to speak to a manager, and the manager also insisted that the initial forbearance period could only be 90 days. They had no explanation for why they weren't following the policy of the owner of the loan. 

PHH is refusing to follow their investor guidance from XXXX XXXX, and is making up a confusing and frustrating policy.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (IL)

Jefferson Capital claims to have bought a supposed debt I owed to XXXX for cellular service. They then hired an agent, XXXX XXXX, to try to collect on this old debt. XXXX XXXX sent me emails. When I denied owing the debt, asked for supporting documentation, and if they would be paying me the money that XXXX owed to me for failure to provide service, XXXX XXXX sent an email saying that they would no longer peruse the alleged debt. Note, they never provided any documentation to support the alleged debt. These emails with XXXX XXXX occurred around XX/XX/XXXX of this year. 

I was then contacted by mail by Jefferson Capital, which sent a letter claiming that I owed them money that they claimed I owed to XXXX. Again, there was not supporting documents for the alleged debt, just their claim. When I called Jefferson Capital and gave them their account number on the letter, they insisted that I provide them with the last four digits of my social security number or they could not help me. I told the agent he did not need that since he had their account number, that I disputed the debt, and that they needed to send me documents show that the funds were supposedly owed. 

Jefferson Capital did not do so. Instead they sent me a form letter saying that they will cease collection activity until verification of the debt is provided to me. Huh. They have been requested to provide such information and rather than doing it, their agent said they would stop trying to collect. By trying to collect without providing that information I think they violated the Fair Debt Collection Act. By failing to provide that information after continued collection activities, I think they again violated the Fair Debt Collection Act.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have tried for 3 years to access my free Equifax portal after their data breach and have never been able to be provided a score or my report, preventing me from accurately checking my credit report and disputing items from identity theft or inaccurate items per 15 US 1681.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

I have a DMV case XXXX. Where someone sold me a car with a fake title. I deposited XXXX USD to the account : XXXX on Chase bank transfer Reference number : XXXX and XXXX  XXXX. I deposited from my XXXX account in XXXX. They used a fake identity for the car and sold it to me with a fake title. I took the case to the DMV and is in the process of investigation, they have determinated it was a fake title and fake identification involved.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (UT)

LexisNexis was asked to provide proof of documentation of my Bankruptcy file that their reporting to XXXX as being verified. I sent this letter out as of XX/XX/XXXX. As XX/XX/XXXX I have received the response from XXXX stating and I " Quote '' You are requesting to have the disputed items corrected or deleted from your report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XX/XX/XXXX and XX/XX/XXXX. Now I've reached out to the Bankruptcy Court house and in my the letter and they clearly states that and I " Quote '' they said ( other than a response to a specific request like the one you have made, the Court does not send files, or otherwise provide any information about any debtor to anyone! ) end " Quote ''. I'm the debtor and the courts clearly stated they don't share any information with anyone not XXXX, XXXX, XXXX or third parties period. So how can LexisNexis verify this information? IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE, YOU INTTIAL RESPONSE VERIFYING THE ITME WITH THE COURTS WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT. you have bluntly lied and confirmed this has been verified by a phone call but no proof!
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc. (SC)

Authorized representatives : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Complaint Handler, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, with XXXX XXXX, of Client Services Inc., are debt collectors demanding {$4900.00} with the intentions of damaging my credit files if not received within their version of a timely manner. 
On XX/XX/XXXX Client Services IncXXXX, presented a Demand for payment letter and I replied with a validation notice via certified mail. 

On XX/XX/XXXX XXXX XXXX began to harass me using such statements as we have many payment options that may meet your individual needs, I want to work with you to find a payment solution that fits your needs, please call me, and I look forward to working with you to resolve this balance. 

PAYMENT OPTION NOTICE dated XX/XX/XXXX reads FOR IMPORTANT RIGHTS AND PRIVELEGES WHICH MIGHT APPLY TO YOUR STATE OF RESIDENCE, PLEASE SEE BELOW OR REVERSE SIDE. Client Services Inc., provided no information below or on the reversed side of their payment option notice. ( please see attachments ) Client Services IncXXXX, is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

The carefully documented terms you, and your do not apply to me. Who placed this account with Client Services IncXXXX, who authorized the use of my social security number to XXXX XXXX? 

Client Services InXXXX, is now the 2nd debt collector attempting to collect an alleged debt on behalf of XXXX XXXX XXXX XXXX XXXX with no support of an agreement with/from either party. 

Authorized representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX for Client Services IncXXXX, are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to Client Services IncXXXX XXXX XXXX behalf of XXXX XXXX  XXXX XXXX XXXX XXXX 

I am not a party to any agreements Client Services Inc., may or maXXXX not have with XXXX XXXX XXXX XXXX XXXX. I am not responsible for Client Services Incs purchase / transfer from XXXX XXXX XXXX XXXX XXXX or known affiliates. 

Neither, XXXX XXXX, XXXX XXXX nor XXXX XXXX for Client Services IncXXXX, have permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

Client Services Incs reply outside of the CFPBs portal, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports.

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ].

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXX, XXXX  Incorrect DOB : XXXX  Collections under challenge : XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO Bank, N.A. (IL)

XX/XX/XXXX, XXXX Made the check amount for my rent {$880.00} XXXX XXXX says the check was deposited into my landlords account, no one has the time that she deposited it. I had {$650.00} in the account. 
XXXX XXXX XXXX-overdraft {$220.00}, XXXX {$1000.00} deposited from my direct deposit, the remaining amount is {$770.00}. Everything appeared fine. 
XX/XX/XXXX. received an email saying I had insufficient funds at XXXX, when I awoke my account had {$1600.00}. 
I called and asked them why they returned the check they said i didn't have enough money when she deposited the check, then they said a check takes XXXX days to process, so if it takes XXXX days and within hours I had the funds in the account, why was the check returned? The answer was I had insufficient funds. I asked again, if it takes XXXX days, and she deposited the check on the XXXX, and I had the funds to cover my insufficient funds within hours, why was the check returned? No one could give a straight answer, when they did answer. I called the bank 6 times, I got someone who couldn't tell me anything, I got someone who hung up on me, I got the buy signal and hung up on, I got someone who " tried '' then she transferred me to someone who couldn't answer anything I asked him, then said we will file a complaint for you, I asked how, he said with us BMO. Then hung up.
Consumer complaint received 2023-09-12
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. (PA)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX {$2800.00} DEPT OF EDUCATIONXXXX XXXXXXXX XXXX  : {$4800.00} DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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 (MA)

XXXX years ago a company I provide services to sent me an American Express {$500.00} gift card. They have also done this for the past XXXX  years. In preparation to use these cards for a purchase, I went online to check and confirm the balance. The XXXX most recent cards were valid and balances were full, this first card was listed as inoperative. I called the American Express gift card phone number on the back of the card and have spent hours speaking with representatives giving me different informational paths. The most recent person I spoke to on XXXX XXXX said he would send a replacement card in XXXX to XXXX  days. That card has not been received, and when speaking with another agent today on XX/XX/XXXX I was told that I needed to send more documents. I have not used the card and I want them to send me a replacement {$500.00} gift card. This card shows a XX/XX/2031 expiration date. The documents that they are asking me to send include my drivers license, pictures of this card, front and back, and a receipt. No receipt is available as I received this card from a large corporate entity and the people involved in the purchase and gifting of this card are unavailable.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (MO)

15 disputes experian lies and says are ready to view, lie lie lie lie lie lie lie lie lie, DO NOT FALL FOR EXPERIAN TACTIC TO GET YOU TO ENGAGE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-04-08
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. (RI)

On my credit report I see Hard inquaries that dont belong to me, I would like these removed please : XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SOUTHSTATE CORPORATION (FL)

I am filing a complaint with all related agencies. 

Loan that was given by this bank to a individual that is building on property not owned by the individual ( on the wrong parcel ). The lending institution refuses to communicate on the loan. I understand the privacy laws but they have loaned money on improvements not associated with the site that was used for collateral. The title company that closed the loan confirmed that as well. Lender has refused to respond. I asked for the license number of the mortgage broker and she refused to provide it until I advised it was required for her to provide it. 

They have a {$400000.00} loan ( 70 % complete home ) on land not covered by the title policy or owned by the borrower. They have appeared to stopped construction but refuse to discuss this.