davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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. (CA)

Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name : XXXX XXXX Last Four Digits of Social Security : XXXX Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Multiple Inquiries Dates Placed on Credit Report : XX/XX/XXXX and XX/XX/XXXX ( Twice ) Credit Bureau : Equifax Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of the unauthorized/unlawful inquiries referenced above. Please note that this is not an acknowledgment or acceptance of said inquiries, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute these inquiries pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt Collection Practices Act ). 

I recently received a copy of my Equifax credit report. The credit report includes these unauthorized/unlawful credit inquiries by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Equifax, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX and Equifax remove these offending inquiries from my credit file/report as they are damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Equifax to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve this matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to your assistance and a prompt resolution of this matter. 

Kindest regards, XXXX XXXX
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

This is a follow up to an earlier complaint against Webster Bank - branch on XXXX XXXX in XXXX. I have been trying to add beneficieries to my checking and savings accounts for months. Once I visited the branch and they told me I need to physically bring my beneficiaries to the branch in order to add them. This is crazy because they live out of state! Second time I was told I can add by filling our a form on line. I looked many times and had a banking attorney look - there is no beneficiary form. I called customer service, they confirmed there is no beneficiary form but also said I don't have to bring my beneficiaries to the branch. I just need their information. Customer Service rep said he'll send an email to the branch. Right after, last Saturday, XX/XX/XXXX, I got a call asking me for all the information over the phone but I was driving and said I'll stop by the branch on Monday. Today, XX/XX/XXXX, I stopped by the branch and the representative XXXX XXXX said I have to have my deceased wife removed from the account before I can add beneficiaries. My attorneys who are working on the estate talked to him and told him it's not possible to remove her yet because the estate is not yet closed and she'll be receiving Social Security and other pension pay outs of a few more months. XXXX insisted that beneficiaries can't be added without removing my deceased wife. My lawyers tried to explain that beneficiaries has nothing to do with her being on the account and there is a valid XXXX XXXX and asked to speak to a XXXX or legal department. XXXX wouldn't accept that and told us to call Customer Service. So Webster Bank is denying me the right to structure my estate because of some incomprehensible rule they adopted. I'm XXXX XXXX XXXX and their policies, procedures and uninformed employees have dragged this simple process on for many months.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a collection on my report on XX/XX/2023. I call to verify but they could tell me anything even though it's suppose to be me. So apparently they have me mixed XXXX with someone else or someone is using my name for medical purposes. They also show I had made payments on my credit that's not me. I have my full name driver license to prove it's not me. Experience claims that it's correct. But I contact the debt collector spoke to a XXXX and he could give me any information.
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed removed.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I had the following hard inquires deleted from my transunion credit report and now they have been reinstated on my report, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, I am requesting that they be permanent removed.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation (CA)

I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in XXXX week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late p ayments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.
Consumer complaint received 2023-01-02
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. (CA)

According to my recent credit report request from Transunion, XXXX, and XXXX and there are several inaccurate account inquires on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification : XXXX XXXX XXXX XXXX XXXX occurred twice without my permission and is fraud. 
Address XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  inquiry occurred twice without my permission and without my Identification. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

IT IS NOT A DUPLICATE : I am outraged by how unprofessional Equifax is. Ive been waiting for a response on my dispute I sent over since XX/XX/2020. I also sent in a demand to comply in 30 days letter which I was told no one received. I have factual proof and evidence. It is now XX/XX/2020. I called in on XX/XX/2020 and was told by an Equifax agent that my letter was received on XX/XX/2020 and not XX/XX/2020 she stated and mentioned that the disputes of account inaccuracies will no longer remain on my credit report as of XXXX, XXXX, 2020. I have proof the accounts were removed but remained on my consumer report. That is a dirty game being place. My actual address is XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. All other addresses are to be removed, XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX. I disputed the other addresses which werent removed. I have no knowledge of the other addresses listed in the attachment. Please remove them now. The accounts were removed and placed back on my consumer report. I have the evidence to prove every rat game Equifax tried to do. I have notated and took pictures of every contact with Equifax. Here is the agent name and badge number. XXXX XXXX with Equifax : XXXX. I am now really upset and distress at the fact that this incident is lingering and I have now filed a lawsuit do to the fact of Equifax not responding and playing games. I am XXXX at this point. This was not my first attempt to contact them. Theyve now been past 120 days and they act as if no documents were sent in and I sent in everything. This is my 3rd time sending documents in still no change theyve violated my rights at this point within section 807 in the FDCPA.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

This complaint can be associated with another one with ID XXXX, which was filed on XX/XX/2020, against Chase bank, on the issue that Chase closed my credit card accounts ending XXXX, XXXX and XXXX without valid reasons, and is still pending a resolution. 

After filing the above complaint, I was contacted by Chase bank and told that an investigation was ongoing. I was also given a contact person named XXXX and a phone number XXXX, XXXX. But l was never able to get through that number again, and was never called back even after leaving messages. 

Late in XXXX I received a letter from Chase, dated XX/XX/XXXX, informing their decision, not only having closed my credit accounts, but also to close my checking ending XXXX and saving ending XXXX on XX/XX/XXXX, again without any reason. Since I can not get in touch with Chase Executive Office regarding this issue, and XX/XX/XXXX is approaching, I assume the above two accounts will be closed anyhow, so I have to file another complaint with CFPB. 
Now that Chase decides to close my checking and saving accounts, I think I may have a clue why they want to do that, and I have to say the decision is rediculous. 

I opened these XXXX accounts in late XXXX, during which time there was a promotion from Chase, that to receive {$300.00} bonus if open a new Total Checking account with direct deposit, and to receive another {$300.00} bonus if open a new saving account at the same time, and then deposit {$15000.00} into the saving and keep it for 90 days. 

Once I opened these XXXX accounts, I arranged direct deposit from my employer and I received the checking bonus already. However, when I initiated an ACH pull from my external account withXX/XX/XXXX to Chase, the transfer was cancelled by Chase. I called their customer service and was told such large amount of money transfer was considered risky and was not allowed online, and I had to go to a local Chase bank to deposit a check. While thinking this is not so reasonable because Chase wants me to deposit a large amount of money to receive bonus, yet Chase also dictates such large deposit unsafe, I fully followed their instruction to deposit my check in a local Chase branch. Now I am afraid Chase is exactly basing on this " unsafe '' large amount deposit to determine my accounts risky and close all of them. 

I also note that I deposit that check of {$15000.00} to my Chase saving account on XX/XX/XXXX, and now it just passed the 90 days which is required to keep that balance to receive the {$300.00} bonus, and since Chase is going to close my accounts on XX/XX/XXXX, I don't think they will honor that promotion to me. Really irony!
Consumer complaint received 2020-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (IN)

I sold my house and closed on XXXX XXXX with my loan paid in full by XXXX XXXX. I had updated my address both online and over the phone before closing. After not receiving an escrow refund, I called the mortgage company to inquire about the refund. The mortgage company told me that they had sent the check to the address that was just closed on. They then cancelled the current check and started a work order for a new check. They stated that the new check would be mailed by XX/XX/XXXX. Called around XXXX XX/XX/24 and the company confirmed that the check was mailed to my current address. Called today ( XXXX XXXX XXXX to tell them that the check hasn't arrived. I'm now being told that it wasn't sent and " looks weird '' but that it should be sent soon.
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

THIS COLLECTION COMPANY IS TRYING TO COLLECT AN ALLEGED DEBT WHICH IS NOT MINE AND A VIOLATION OF MY FCRA RIGHT. I REACHED OUT TO THIS COMPANY VIA EMAIL ASKING FOR PROOF OF THIS ALLEGED WHICH CANT NOT BE FURNISHED SO THESE ACCOUNTS NEED TO BE REMOVED FROM MY CONSUMER REPORTS.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (GA)

XXXX XXXX Gmc. 
XXXX XXXX XXXX XXXX XXXX, I test drove a XXXX XXXX, yesterday at the XXXX XXXX XXXX, Ga XXXX location at XXXXXX/XX/XXXX. Then I did the process and procedure on financing a car. It wasn't a XXXX XXXX on the seat, when I test drove the car. But after I was approved there was. I have pictures of the XXXX XXXX on the seat. XXXX XXXX XXXX salesperson XX/XX/2020 ). I talked to the head manager. He stated A manager in his position at XXXX XX/XX/XXXX. I told him about the XXXX XXXX on my driver seat. He told, me that the crew, that did the last inspections. Had to leave it in there after they took the agreement off the window, stating if I bring the car back. He would personally take the XXXX XXXX out of the car. I tried to go over his head, ( Tue, XX/XX/2020 XXXX XXXX XXXX XXXX, but that was the headquarters. In buying a car there is an agreement, and I feel that my agreement was broken on XX/XX/2020. Due to the fact that the staff knew, I had finished my paper work, and placed the XXXX XXXX in the car as a XXXX trap to harm me or the car. ( Paper work XXXX XXXXXX/XX/XXXX completed. /Address/ XXXX XXXX XXXX XXXX XXXX, Ga XXXX ). I contacted the GM finance department, and the person I talked to gave me a case number. And told me what department she was in and her position. I have pictures of text messages and the XXXX XXXX in my car. ( Case Number or Service Request Number XXXX XXXX. Call me ( customer experience manager ) At XXXXXX/XX/XXXX the woman 's phone hung up on me. She called me back at XXXX, her position was ( Customer Service Representative GM ). The woman told me she would give me a call back in one week and she never did. 
P.S. ( By state law in Georgia, I have 3 days to file a complaint ). 
Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

To my understanding, the banks are in the business or purchasing securities, thats it. At law it is very clear that I issued a security, namely a promissary note which the bank has already purchased. What the bank is doing is very different than what it presents to the public that it's doing. The bank purchased MY promissary note and told me they would transfer it to my account with them. However, I am aware no money is transferred at all, rather deposited. Which inturn, the deposit is merely the banks record of it's debt to the public and it also owes money to myself. 

Please refer to 15 USC 1691 & 12 CFR1002 15 USC 1691 ( ECOA ) and 12 CFR 1002 ( Regulation B ) work together to promote fair and equitable access to credit by prohibiting discriminatory practices and ensuring transparency and accountability in credit transactions.
Consumer complaint received 2022-10-24
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc. (FL)

On XX/XX/2020, I called Total Card to advised the company that the account ( the account # - XXXX ) was sold or transfer to another company furthermore this writer asked total card to update the account status for this account from {$430.00} written off to transfer or sold.