davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (SC)

a southern finance called me and doing further research i learned they are involved with a Covington credit who is reporting errors on my credit report convington credit was told not to contact me or any of my so call references but yet you guys call me a couple days ago my lawyers will be in touch like i told you times before i have nothing for you people and also stop sending my information to other people i have people in texas emailing my ex wife on XXXX saying they are receiving my mail
Consumer complaint received 2023-12-22
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: CITIBANK, N.A. (CA)

On XX/XX/2023, I received a text alert at XXXX XXXX  : Free My Best Buy Citi Fraud Msg. XXXX XXXX Did you attempt a charge at XXXX XXXX on XXXX? XXXX, XXXX. Reply STOP to Opt-Out. I immediately texted XXXX for NO. Then, I received another message from the same source thanking me for the response and providing the number for a Fraud Dispute. I then spoke to XXXX separate representatives indicating VERY CLEARLY that I was at home and had not used the card for any purchases. 

The XXXX charges are : 1. XX/XX/XXXX for {$1200.00} XXXX. XX/XX/XXXX for {$100.00} I have called the company various times, I have spoken to various representatives, and they all give me false information about the fraudulent charges. Some of their representatives say these were online charges. Another representative - " XXXX '' - says that the Best Buy representatives gave me false information because the main purchase of {$1200.00} was purchased inside the the store. 

I HAVE ASKED REPEATEDLY FOR A RECEIPT OF THIS FRAUDULENT PURCHASE, BUT THEY CAN NOT OR WILL NOT SEND ME A RECEIPT. THEY HAVE PROVIDED ABSOLUTELY NO PROOF THAT I MADE THIS PURCHASE. THEY HAVE ARBITRARILY CHARGED MY ACCOUNT AND HAVE DECIDED THAT THEY DO NOT NEED TO PROVIDE ME WITH ANY PROOF OF PURCHASE. THE LAST TIME I COMPLAINED THEY SAID THEY WERE ATTACHING THE RECEIPT TO THEIR RESPONSE. HOWEVER, THE ATTACHMENT WAS JUST A STUPID COMPANY LOGO IMAGE - NOT A RECEIPT. I HAVE SPOKEN TO " XXXX '' WHO ASSURED ME I WOULD GET A RECEIPT FOR THIS FRAUDULENT PURCHASE, BUT SHE NEVER SENT ME ANY PROOF. 

I WANT PROOF THAT I MADE THIS PURCHASE, BUT THEY JUST WANT TO CHARGE MY ACCOUNT WITHOUT ANY PROOF WHATSOEVER! 

I DEMAND A RECEIPT PROVING THAT I MADE THIS PURCHASE!
Consumer complaint received 2023-12-22
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. (TX)

According to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Equifax are all consumer reporting agencies and I am the Consumer.

These agencies have failed to do so and have violated my federally protected consumer rights to privacy and confidentiality by publicly furnishing the below charged off accounts on my credit report and selling/communicating my nonpublic personal information to a nonaffiliated third parties without my written instructions. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$9700.00} ) XXXX BANK - XX/XX/XXXX ( {$2600.00} )
Consumer complaint received 2023-12-12
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: WELLS FARGO & COMPANY (TX)

Previous complaint XXXX XXXX XX/XX/XXXX I had a flight from XXXX and XXXX during XXXX XXXX. It was booked using my spouse 's credit card ( Wells Fargo CC ) during XX/XX/XXXX. It was booked on XXXX XXXXXXXX already took the entire money and charged for baggage. Due to XXXX XXXX, one of the leg of flight was changed to XXXX. Our baggage were checked-in for the entire journey but still XXXX charged us for the bags in XXXX. It was me and my kids flying. We were charged more than {$800.00} for this on XXXX XX/XX/XXXX in XXXX. Made several complaints to XXXX and XXXX for the refund. Once the originating airlines charge for the baggage - in between airlines never charge for it. Later I opened a dispute with Wells Fargo bank and uploaded all the documents - explanation and all the documents. Still Wells Fargo is doing back and forth emails and calls and haven't initiated the dispute with XXXX or XXXX XXXX. wells Fargo is just too big and unorganized and inefficient. Left hand doesn't know what right hand is doing. Very poor hiring standards. Today I talked to Wells Fargo supervisor XXXX employee id # XXXX about the same. Dispute IDs : XXXX and XXXX I see that Wells Fargo is able to resolve only one such transaction but not both of them. There are two transactions in dispute with XXXX, {$380.00} each. 
On XXXX XX/XX/XXXX- did a permanent credit but it should be two credits of {$380.00} each.

Wells Fargo please don't keep on calling. Everything is mentioned in this complaint - you need to read it and follow it - I can not keep on spoon feeding you. Overall Wells Fargo has some real low standards in terms of hiring - that even simple english stuff they don't get it and keep on buying time in unnecessary follow ups.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc. (TX)

I am being sued by Conn 's Appliance here in Texas. The debt was legally charged off. This happened during XXXX. So they have taken a charge off which means that they have taken a credit on their taxes. They have damaged my credit file. So being sued for this debt that is charged off and they have taken a benefit from XXXX XXXX  is a type of double jeopardy for me. Items purchased where a sound system that still works and a computer that is lousy and barely works. 

I had complained to Texas XXXX XXXX  about their incessant caling even after I made arrangements. If I didn't put the future payment as part of the arrangement they would call several times a day from different phone numbers. XXXX XXXX stopped the call. So I am sure this is part of a retaliation of that. IT was on these same accounts. 

My point is they took a legal deduction in taking the charge off. They should not be able to sue as the debt does not exist as they took a writeoff of this debt. It does not show as a collection. Clearly both accounts are a Charge off. 

So now I was served for a judgement. Can this be stopped as they are trying to get a double benefit. The debt was erased and they have gotten a benefit from their coporate taxes. Please advise. Thank you, XXXX
Consumer complaint received 2023-10-06
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U, S, C, 1681 SECTION 604A SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Someone used my information including my SS number to open credit cards in my name. I know who did it. It was XXXX XXXX his phone number is XXXX. It was mostly Capital One Quicksilver and Capital One Walmart but he also used it for other cards
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc. (FL)

A debt collections company named First Credit Services has reported some information on both my transunion credit profiles. Earlier today i sent a dispute letter to their office via certified mail. Below i attached a copy of both the pages i sent them. I expect them to respond with the information of validation that i requested in a mannerly time or these negative accounts have to be deleted. Also if they can not validate the alleged debt they reported it must also be taken off my reports. I would like the CFPB to be alongside me down this journey and to also help with holding this collection agency accountable. Thank you.
Consumer complaint received 2023-11-03
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: JPMORGAN CHASE & CO. (MD)

I am filing this complaint due to an unresolved billing dispute with JPMorgan Chase Bank , N.A . ( " Chase '' ), regarding credit card charges totaling {$6100.00} for services contracted with XXXX XXXX XXXX that were never rendered. The charges were posted to my account on XX/XX/2023, for two separate contracts with the said merchant. Despite numerous attempts to resolve this through Chase 's dispute resolution process, the charges were inappropriately rebilled, and my dispute was denied without proper justification. 

The timeline of key events is as follows : XX/XX/2023 : Charges for services appeared on my credit card statement. 
XX/XX/2023 : XXXX XXXX XXXX announced a shutdown of operations. 
XX/XX/2023 : I reported the dispute to Chase, initiating an investigation. 
XX/XX/2023 : I submitted all supporting documentation to Chase 's online portal. 
XX/XX/2023 : Chase rebilled the charges without notifying me or providing a satisfactory explanation. 
XX/XX/2023 : I sent a follow-up letter to Chase, requesting the removal of the rebilled charges and reiterating my dispute. 
XX/XX/XXXX & XX/XX/2023 : Received two letters from Chase indicating the dispute was resolved in the merchant 's favor. 
XX/XX/2023 : I received a notification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX about XXXX XXXX XXXX XXXX XXXX filing under XXXX XXXX 

Chase 's response claimed that I either received the services or the merchant made them available for my use. However, I have provided ample evidence, including contracts and the merchant 's bankruptcy filing, to demonstrate that the services could not have been provided. Furthermore, the documentation from the merchant 's acquirer used by Chase to validate the charge was inaccurate and incomplete, failing to address all the charges in question and containing duplicated pages. 

Despite my evidence and the merchant 's confirmed bankruptcy, Chase 's investigation concluded without recognizing these facts, leading to the unjust rebilling of charges for services that can not possibly be delivered. This conclusion appears to be arbitrary and without substantial evidence, thus not in accordance with the Fair Credit Billing Act. 

I seek intervention to ensure a fair and thorough investigation is conducted and to obtain a refund of the full amount in dispute, as the services paid for will never be rendered due to the merchant 's insolvency.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

=My information was sold and bought illegally because I was a victim of the Equifax state of breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax has admitted that I was victim of this state of breach and Equifax has done nothing. 

Please help me delete these illegal items for my credit reports. 

ALSO KNOWN AS XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the XXXX Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. TRANSUNION IS ONLY TREATING ME THIS WAY BECAUSE XXXX XXXX IGNORING MY REQUESTS AND DISREGARD FOR CONGRESSIONAL FINDINGS AND THE HNITED STATES CONSTITUTION ITS A XXXXXXXX XXXX AND IF SOMETHING IS NOT XXXX DONE ABOUT THIS IMMEDIATELY EXTREME MEASURES WILL BE TAKEN!
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

Spring Oaks Capital LLC purchased an account that used my personal information, without my knowledge, and that account was purchased from XXXX XXXX XXXX. It was opened XX/XX/XXXX  and it is still open. The account information is being disputed, and it meets FCRA requirements. The balance the account currently has is {$560.00}. I was unaware of this account I believe it to be fraud.
Consumer complaint received 2023-02-19
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. (NJ)

I have sent letters of dispute on XX/XX/XXXX, XXXX disputing the originally {$16000.00} but is now XXXX. They responded that they had done their investigation and that the information was verified and they updated my report. 

On XX/XX/XXXX, I sent a letter requesting a description of their investigation procedures which was to be completed within 15 days as per FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 2 ) ( B ). 

On XX/XX/XXXX I asked for the item to be removed as they did not send the information requested on XX/XX/XXXX nor did they respond within the 15 days as per FCRA 611 ( 7 ).
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (CA)

Since XX/XX/XXXX, when I applied for a loan modification, communication with Selene Finance has been challenging. Despite their policy of a two-business-day turnaround for document acknowledgment, my attempts to engage with our designated loan officer, XXXX XXXX, have been unsuccessful. I believe my case has not been given the level of attention it deserves. Aside from the fact that Selene has NOT provided any form of email correspondence, I have to deal with different representatives for EACH CALL made, leading to careless and inconsistent recommendations and with poor, incomplete documentation of the whole call exchange
Consumer complaint received 2023-09-21
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. (NC)

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 2024-04-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MORTGAGE SOLUTIONS OF COLORADO (TN)

I was working with a mortgage company on a refi loan for my home. During the process I requested that my appraisal be transfered to another lender as I did not want to work with them anymore. Initially they did not respond to me or the new lender. After some pestering they sent me a CC authorization form to pay them for the fee of the appraisal. I asked them to invoice my new mortgage company, and agin silence. After a few days they told me they have given me instructions and to work with my current lender to get them to transfer. I finally was able to get the VA to transfer, but the old lender was not the reason, and in fact delayed the process from being complete.
Consumer complaint received 2023-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-09-21
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. (GA)

XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


FAIR COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

THIS ACCOUNT IS NOT MINES AND IS NOT REPORTING ON ANY OTHER CREDIT AGENCY. I DO NOT OWE THIS DEBT TO TO XXXX XXXX  XXXX. AND I DO NOT HAVE A CONTRACT WITH FAIR COLLECTION WHICH IS A DEBT COLLECTION COMPANY. IVE CALLED AND ASKED FOR ACCOUNT TO BE VERFIED WITH MY WET SIGNATURE ON A CONTRACT AND THEY NEVER SENT IT.PLEASE DELETE
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Called in XXXX to have our mortgage co the insurance due from escrow as prev insurance company left XXXX. They could not issue payment in time to avoid being dropped and they advised we pay it ourselves and they would reimburse us. We paid in full XXXX for one year on XX/XX/XXXX. They then paid it as well they say, but the statement from our insurance company has only my payment and there was no payment recorded from the mortgage company, New Rez. They say they paid it on XX/XX/XXXX, and I called again, now they say they paid it on XX/XX/XXXX. Neither is correct, They will not issue a refund from Escrow to us for paying it ourselves and now they will not refund the amt. we paid. 
They said the Insurance Company, XXXX XXXX, will send us the refund for overpayment and " thats how its done '' and that thats why New Rez will not release the refund to us.