davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (TX)

This response is a follow up to the previously addressed response from Real Time Resolutions via the CFPB on XXXX   ( see attachment ). I previously asked you to provide verification of this debt that you failed to address completely. Therefore, I am addressing this issue yet again. Please send me the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including : a copy of the last billing statement from the original creditor a detailed explanation of any interest added or payments made since the last billing statement the legal authorization for this interest, the date the original creditor claims this debt became delinquent the purchase agreement from your company and the original creditor. The original contract from the creditor with my wet ink signature Please also note whether this debt is within the statute of limitations and how that was determined. Per the FDCPA, and FCRA laws, you must provide this information in its entirety to me in 30 days. In addition, I received an email from Real Time Resolutions today and I am requesting all communication to be ceased except for written correspondence to be sent to me via the mail.
Consumer complaint received 2023-12-10
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: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX made a purchase of XXXX $ and never received the good or services for this transaction. I bought an XXXX and the business is still under the merchants name. There was no final agreement signed as stated on Letter of intent. Also didnt receive and merchandise as agreed upon. Disputed with AMEX for this fraudulent transaction no one is reaching out to help me. I have not received anything for my transaction from merchant
Consumer complaint received 2017-02-14
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (TX)

My husband 's grandfather had a reverse mortgage that was serviced by XXXX at the time of his death in XXXX. The home was left to us in his will. After sending in all the required documents to show intent to purchase the property, and all corroborating documents ( death certificate, warranty deeds, heirship affidavits, letter of intent, pre-approval from new lender, payoff request from title company and authorization to speak on the account from the executrix of the estate ) the loan was transferred to another servicer under the XXXX XXXX XXXX XXXX umbrella, Reverse Mortgage Solutions. Despite having been told these documents and authorizations to speak on the account would be transferred over to RMS, they were not. So, I resent every document to the new servicer. Now, I 'm being told conflicting information about how long the process of even getting authorized on the account will take. Also, we still have not received any new correspondence through the mail from the new servicer that would advice the estate of the status of the loan ( It was my understanding that the new servicer must inform you within the 15 days of the effective date of the transfer ). Since we are living here, we know it is imperative to be made aware the foreclosure status. Furthermore, as each day passes additional interest accrues, additional servicing fees accrue and there 's the possibility of it going into a foreclosure status without us even knowing ( which would result in foreclosure attorneys fees and other charges that should not be applied to the account ). We have done everything possible on our end as we could possibly do but without any guidance or communication from the new servicer we are getting no where. It is exceptionally frustrating when your proactive about saving a family home and a ) the servicer changes in the middle of the process with little thought given to whats in the best interest of the consumer for resolving the default. b ) not communicating with the estate what additional information is needed to advance the process c ) Stalling the servicing/payoff of the loan to increase interest, servicing fees and possibly attorney fees. It feels like Reverse Mortgage Solutions is where XXXX sends it 's loans to be foreclosed. All we are trying to do is payoff the existing mortgage balance but it seems like since were in an positive equity position and since they wo n't need to submit a claim on a deadline to HUD, they 're just dragging their feet to drive up the payoff. I 'd like to not be so cynical, but after looking at the deceptive trade practices of each entity that has been involved with this loan, I would be naive not to expect questionable ( or even unethical ) servicing.
Consumer complaint received 2024-04-09
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. (AZ)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 around XXXX XXXX, I went to the ATM connected to the Bank of America at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I drove up to the drive-thru ATM furthest from the building. I submitted that I wanted to withdraw cash, and the machine let me know that it only had XXXX to dispense. I used my debit card to withdraw {$1100.00} from my checking account. We then used my husband 's card to withdraw {$1000.00} from the same ( joint ) checking account. When we counted the money, we found that that the ATM had actually dispensed XXXX dollar bills instead of XXXX. We only had {$420.00} instead of {$2100.00} in hand. We promptly went inside the bank and they said there was nothing that could be done - call customer service. Customer service advised that they had to take up to 10 business days to research the claim. 

This happened on the first of the month. That was my rent money. I expressed repeatedly how this is causing a hardship and was told my case would be expedited. I have not had any follow up on the case. I call and they simply say it is in research. 

Today, I received a 3 day notice on my door threatening eviction. My bank account is also overdrawn. The hardship is profound and completely beyond my fault. The bank has robbed me and refuses to take prompt action to make me whole again.
Consumer complaint received 2024-01-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (KS)

Mars inc- XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX XXXX XXXX ks I moved out XX/XX/XXXX I have email after email where I tried to alert of move out and uploading proof The above did not send me ANY statement until XXXX claiming damage then claimed I didnt move out and continues to change the statements which is fraud the Mars inc that was hired by XXXX XXXX XXXX ample evidence that XXXX XXXX XXXX company did not follow Kansas legislation and can not just change statements to there liking and furthermore the claim is moot due to Kansas legislation that states they have 14 but no more then 30 days from date of move out to give refund or itemized statement they did nothing until XXXX and actually owe me. Even with the proof sent to mars they refuse to take this off my credit report or give me my monies back they actually owe me ( XXXX ). XXXX village continue to disregard laws or even pay taxes and someone has to stop this.when they took ownership they gave no one any information ie new phone new email And doors remained lock also have video and fb posts of others who were unable to contact them they stated they would honor my request that started weeks before XX/XX/XXXX.
Consumer complaint received 2023-11-16
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Titanium Funds (UT)

I purchased a vehicle that was financed through titanium funds back in XXXX. I had the car for about XXXX week and I could not afford to insure it and i returned the vehicle to the car lot. Titanium funds has been reporting negatively on my credit every single month since XXXX. I am on XXXX and Ive asked several times about forgiveness or what I need to get this off my report and they said that there is no statute of limitations on how long they can report and refuse to give me any kind of assistance in resolving this.
Consumer complaint received 2024-01-22
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: Westcreek Financial (FL)

Identity Theft and Financial Fraud Report I, XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX FL, XXXX, wish to file a report regarding a case of identity theft and financial fraud that occurred on XX/XX/2023. A credit of {$5300.00} has been requested with Koalafi without my consent. The transaction is associated with the XXXX XXXX XXXX XXXX store at XXXX XXXX We need an itemized list of every fraudulent transaction Please upload your spreadsheet of fraudulent transactions. Be sure to include : date, amount charged, merchant name, and any other details about the transaction. 
Please list all the fraudulent transactions. 
Are you filing this report for documentation purposes only? Are you willing to testify in court and prosecute criminally? 
Tell us about your business Business name Business address Business phone number What is your title/role at the business? 
XXXX XXXX, XXXX, FL XXXX, where I have never been. Attached, you will find relevant documentation, including information provided by the financing company. I am willing to fully cooperate in any necessary investigation. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

A credit card was fraudulently attempted to be opened under my name. The bank was JP Morgan Chase. 

I was informed by JP Morgan Chase of the fraudulent activity on XX/XX/XXXX and the account was closed. 

I added a fraud alert with the 3 credit reporting agencies : XXXX XXXX, XXXX and XXXX. 

I need to remove the card inquiry to my credit report from this fraudulent activity because I understand the hard inquiry will adversely affect my credit score.
Consumer complaint received 2023-04-23
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: American First Finance, Inc. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (IL)

This debt was never verified, which is a breach of the FCRA! I have requested numerous times that the signed contract with my signature as well as monthly statements for ALL charges be mailed to me to be verified as I never received any letter offering me to verify the debt, but they refuse. I also have disputed the account with XXXX and they refuse to remove it and instead within only a couple of days of my dispute put this on my account, which is NOT verified as accurate and also a breach of the FCRA!! I want the debt removed and dissolved for this reason and I want both the collection agency and XXXX fined for breaching the FCRA!! They can not follow the law AFTER they BREAK THE LAWS!!!! 

CBNA Your information may have changed since XX/XX/XXXX Account info Account name CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance {$1600.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 120 days XXXX Past due 150 days XXXX Past due 180 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX  30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXX, SD XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Account closed at credit grantor 's request. 

Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2024-01-08
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. (LA)

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX MY BIRTHDAY IS LISTED INCORRECTLY IT SHOULD BE XX/XX/XXXX BUT ITS LISTED AS XX/XX/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 have sent certified mail to XXXX Transunion and XXXX with documents support my dispute. They have violated my consumer rights,. 
They have not removed the accounts from my credit report and i am demanding them to do so. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you in violations of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports they in violations Under, 15 U.S Cod e 1681b Permissible purpose of consumer reports ( a ) IN GENERAL ACT following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCYTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights a s a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Credit Acceptance Corp has been filing false information to all three credit bureaus in regards to the repossesion and last reported payment to extend credit reporting I have never made any payments in the year of XXXX  in fact my last reporting of a payment received was almost nine years ago or more they are refusing to remove this from my credit report when filing disputes
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I noted that no matter how much I paid to bring down my credit card balance, the cash advances listed kept increasing. I called Discover and asked to be able to pay off the cash advance balance, but was told they could not accept that because of their " payment protocol. '' I wrote a letter asking for a listing of all the cash advances and their dates. No response was received via mail, but did receive an email asking me to call their number. I called and upon inquiring on the cash advances, was told the following 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, {$100.00} plus fee, total of {$110.00}. All these cash advances total {$760.00}, but notwithstanding my higher than scheduled payments, I am currently listed as having a cash advance balance of {$1700.00} as of the XX/XX/XXXX statement, more than double the original cash advances. This is usurious in the extreme. The last payment I made to the credit card balance was {$1000.00}, but it did little to reduce the cash advances. I am quite willing to pay off the cash advance balance, but Discover will not accept my doing so, clearly because they make more money adding interest to the original balance.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-09-11
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. (TX)

I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies. 

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NJ)

I contacted XXXX on a few occasions, with the last date of contact being XX/XX/XXXX. XXXX does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, TRUIST DEALER SERVICES XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX, NC XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Phone ( XXXX ) XXXX However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and XXXX will not investigate and remove unauthorized inquiries. I submitted a XXXX XXXX. Nonetheless, XXXX needs to do more than note the unauthorized inquiry and have it removed from my credit report.