davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXXXXXX and XXXX XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (FL)

This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

On XX/XX/, we received our final account statement from XXXX XXXX XXXX in the amount of {$1500.00}. We disputed some of the charges and it was reduced down to about {$600.00}. We disputed again and they again adjusted the balance to {$500.00}. I still sent in a dispute that the charges were not correct. They were charging us for a carpet cleaning that should have only been {$65.00} and they charged us for holes in a wall and there were no holes in the wall. The even sent pictures where there were no holes in the walls. The comparison report that they sent from move in to move out did not match the charges that were being charged. I tried numerous times and the least few days they stopped responding to email all together. I tried to communicate with the property manager XXXX XXXX, the regional manager XXXX XXXX and the regional vice president XXXX XXXX. I had even sent emails to their corporate office in Tennessee to XXXX XXXX, XXXX XXXX, XXXX XXXX and no response at all from them. The only amount that we should owe is {$9.00}. I have all email correspondence and the letters that were sent. The charge for {$380.00} needs to be removed as we patched all holes which is what we have always done while living in XXXX brand Apartments and the carpet charge should only have been {$65.00} according to the lease.
Consumer complaint received 2024-04-01
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. (WI)

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 2023-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (FL)

I was sent an email on XX/XX/XXXX from American Express saying that I can earn {$350.00} cash bonus if I open a high yield savings account. It says funds had to deposited by XXXX XXXX. I opened the high yield savings account in my name and a deposit was made in the amount of {$25000.00} on XXXX XXXX. The money was held in the account through XX/XX/XXXX as this was one of the requirements. The bonus email was sent to my name and email address. I opened the savings account with that same name and email. I did not already have a savings account with American Express. I was not named on any other bank account with American Express. I called about my bonus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. All they can tell me is they will send the complaint to another department. Which they have said before and nobody has got back to me to tell me how I have not complied to get the sign up bonus.
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Thank you for emailing a copy of your forward to Wells Fargo. Several concerns : FIRST : The email we received from you advising us of sending the same forward to Wells Fargo that we originally sent to The White House. ( going in circles ) From the contents of your email we can only assume nothing was done other than the usual forward to WF. We also assume that The White House sent the complaint to you for proper handling, like assistance right.? Well, we are dizzy of going in circles and tired of no clear assistance, or explanation besides the usual BOILER PLATE enclosures asking Wells Fargo to do what. When we originally wrote to you ( last year? ) we were advised that you were not able to handle this as it was not your place. Obviously this time since you received the complaint from The White House, you did not check our file that was " closed '', but simply forwarded the same to the mortgagee. Please tell us how in the world are you helping people. Just cleaning off your desk through a simple process does not get the results. 

SECOND : As a result of your uneventful process, we received a call from Wells Fargo yesterday, from XXXX, executive offices. Tel. # XXXX. Again, it was targeted towards us, asking for explanations, reasons, It was a call with a purpose to HARRESS us. He would not let me speak, at the same time accusing me of not willing to provide him with information. Character of arrogance, I finally told him It was not my place to answer his questions ( as I do not know what he was after ), just advised him that he should contact you or look through the files they have and find out what this is about. Very unprofessional behaviour, not even giving me his last name. So I said thank you and goodby. Once he reviews the information, he should call and we will be happy to discuss legit. information. 

We would appreciate your response and some insight. Thank you The complaint # wasXXXX
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Universal Recovery Corporation (CA)

The amount of debit is {$1700.00}. Call members of my family such as a ex brother in law and ex mother in law and shared info about my debit. I has also asked to have reduced payments and Was told that that wasnt an option that the collector may pursue legal action.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

They closed my account back in XX/XX/2022 and have still been charging me cash advances fees when Im not taking out cash advances fees. After my account was closed I still tried paying monthly payments but that monthly payments are still getting deducted from cash advance fees when Im not taking cash advances
Consumer complaint received 2023-06-07
Product: Credit card or prepaid 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: Chime Financial Inc (CT)

I ordered a product through XXXX from a 3rd party company called XXXX, according to the company the product wax delivered. However I never received the product. I contact Chime who my prepaid credit card is with. They opened a claim on XX/XX/XXXX for the amount of {$97.00}. On XXXX the company XXXX sent a email stating the issued a refund. I never received the money back into my account from Chime. I received out to the company again who stated this morning that they refund my money, I just got off the phone with Chime who still hadnt refunded me my {$97.00}. I provided them with emails from the merchant stating they issued a refund.
Consumer complaint received 2023-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

In XX/XX/XXXX my mortgage was not withdrawn automatically as it had been since coming out of forebearance. I attempted to pay online but the system erroneously stated that I was more than 30 days delinquent and I could not pay online. I called and talked to a representative that helped post the payment and change the payment account to mine from my daughters for autopay starting in XXXX. I did this because my daughter is young and has XXXX XXXX XXXX and I didnt want her to have to worry about this. Thankfully I did because this month they have made this same false claim. This time stating that I was delinquent from the XX/XX/XXXX payment. Considering calling them was ineffective last month I posted the payment under bill pay from my checking account. 
This mortgage company has been harassing me in regards to insurance repairs from the XXXX floods. I had an inspection that passed at 100 % yet they constantly mail me letters stating that I havent completed the inspections. 
They went as far as to contact MSHDA who paid my forebearance and lied to them stating I havent completed the repairs but the MSHDA representative stated they confirmed my inspection passed at 100 %. Additionally, they sent me a letter to sign & notorize indemnifying them should any lawsuits arise in XXXX of XXXX. My daughter & I signed this letter, notorized it and mailed it in. I never received confirmation of their receipt. 
Nevertheless, they continually call me and send letters so I wrote them a letter respectfully requesting they stop harassing me over resolved matters regarding the insurance claim. Not only did they not respond to that letter they are continually harassing me and have now upgraded to lying about my mortgage being delinquent. 
I am a XXXX woman and the stress this has caused in my life is immeasurable. I pay my mortgage every month and passed my inspection at 100 %. 
They should not be allowed to treat people this way. It seems to me they just want to take my house because the value has doubled and they could make more money from repossession and future sale and that despicable!
Consumer complaint received 2023-11-04
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 (TX)

Two prepaid amex cards were purchased on XXXX. I have since tried to use them numerous places and they are consistently declined. When I'm able to reach customer service their solution was to try somewhere else. All attempted transactions were at merchants that accepted American Express and the transaction amount was well under the balance of the gift card. 

A few of the merchants attempted are XXXXXXXX XXXX XXXX and my hair salon.
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I received an email on XX/XX/2023 from XXXX XXXX regarding a balance with LVNV Funding. The email says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00}. I have received two more emails regarding this debt. I do not remember this account. 
At the end of the email ( on page 3 ), it states, " The law limits how long you can be sued on debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX. ''
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I asked my loan servicer, Mohela, for payment history information related to student loans the company serviced between XXXX thru XXXX. The loan servicer, Mohela, informed me that their records showed I was in forbearance or deferment status during times when I was actively in repayment status and making payments on my loan. I have 1098-E tax forms from XXXX, XXXX and email confirmation from XXXX and XXXX showing that they auto-debited student loan payments from my account. I have asked them for complete payment history which they have not provided and it appears they have inaccurate records regarding my payment history and repayment status periods with them. This has impacted my ability to obtain loan forgiveness under the Public Service Loan Forgiveness program.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

This debt is being sold from one company to the next. I previously disputed this debt with another debt collection agency. After sending letters to them that this is not my debt they dropped from reporting this on my credit report. 

Now IC System , Inc. apparently has purchased this debt and will not respond to my debt validation letter. I sent a certified letter on XX/XX/2023 and have not heard anything back from them. I want this company to stop reporting on this debt which is negatively impacting my credit and business.
Consumer complaint received 2021-03-22
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. (NY)

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day XXXX have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2023-09-04
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is information on my XXXX, XXXX, XXXX and other Credit Reporting Agencies that need to be removed immediately. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between consumer and a person making the report are not supposed to be on my report as well. All of this is FEDERAL LAW, the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX  XXXX, CAPITAL ONE Removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilities. 

I did not authorize or consent to any transactions as the consumer.
Consumer complaint received 2023-11-09
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: CAVALRY INVESTMENTS, LLC (CA)

Cavalry Portfolio Services checks my credit twice a year in the past ten, verified by my XXXX XXXX XXXX from XXXX. They have no legal right to view my credit. They are stalking and violating the Truth in Lending of the FCRA. I seek that the FTC put a stop to their illegal entries into my file.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (GA)

Request for Removal of Unrecognized Credit Inquiries I am writing to dispute and request the removal of certain credit inquiries from my credit report that I do not recognize or authorize. I have carefully reviewed my credit report, and I have identified the following inquiries that I believe to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Xactus-cp XXXX XXXX XXXX  I have no knowledge of, nor have I ever applied for credit with the mentioned creditors on the specified inquiry dates. As a responsible consumer, I take my credit report seriously, and I am committed to maintaining its accuracy. 

I kindly request that you investigate these inquiries promptly and, if they are indeed unauthorized or inaccurate, remove them from my credit report as per my rights under the Fair Credit Reporting Act. 

I understand that you are obligated to investigate the disputed inquiries within 30 days, and I request that you provide me with written confirmation of the results of your investigation. 

Maintaining an accurate credit report is essential for my financial well-being, and I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation to facilitate this investigation. 

Thank you for your assistance in resolving this issue.
Consumer complaint received 2023-11-04
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. (NC)

After reviewing my credit report i must inform you that I am NOT responsible for this fraudulent account. Someone stole my identity and opened up a fraudulent account and inquiries in my name. 

15 U.S. Code and 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.

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) under the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the account and inquiries listed IMMEDIATELY! 
I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2024-04-01
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)

Recently. I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately.