davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management has engaged in a series of retaliatory and derogatory measures ( Account in Dispute ) status updates with all three credit reporting bureaus in order to avoid regulatory compliance requirements. I am seeking debt validation, which I have attached the request to this complaint.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I was called by Chase Bank that someone had opened a buisness credit card under my name. I told them that I haven't opened a credit card in years. They closed the credit card and told me to contact the credit bureaus and put a fraud alert on my credit report.
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (GA)

I opened an account with Synchrony and made an initial deposit of {$40.00} on XX/XX/2018. 
I later made another deposit for {$900.00} on XX/XX/2018I further logged into account to see it is restricted. The message instructed me to call XXXX called immediately and spoke with customer service. Customer service was not able to tell me why account was restricted. She ( customer service ) said she would put in a request for back office to contact me. No call from back office as of today XX/XX/2018. I called several more times and emailed them a message as to why my account was restricted I withdrew and electronic payment on XX/XX/2018 for {$430.00} ( see documents attached ) an account was restricted that following day. I was told by letter 3- 5 business days. ( see attachment letter ) I was told by phone on Monday by a supervisor, he escalated this and should receive a call on today XX/XX/2018. no call. I called again today at XXXX and spoke with a supervisor at to why my account is being restricted and was told I would know something in 90 days. 

This is unfair in my opinion to hold a consumer money for 90 days. I was told during this time, I could deposit money, but could not take any out on today.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

Chase Visa  wrongly and systematically sides with the vendor in disputes over fraudulent charges and, in a disputed case, NEVER sides with the consumer. In the following case they have been caught out. My complaint is that they did not conduct a thorough investigation, that they wrongly reported information to me and that they wrongly allowed a fraudulent charge to remain on my account.     I was fraudulently charged {$16000.00} by a vendor, to whom I had previously given my card details for a legitimate charge. The vendor charged my card a second time without my knowledge, consent or authorization and for services I had not incurred. Unknown to me, the vendor had retained my card information from previous use.  Chase refused to treat this as fraud because I had previously given my card details to the vendor. Chase  claimed I must put the transaction into dispute.     After review of the dispute I received the attached letter dated  XXXX   XXXX ,   XXXX   from Chase, which sided completely with the merchant in the case and said ; " Merchant has provided contractual agreement on this transaction. '' No copy of the contract was sent to me and how could it have been - none existed.     On  XXXX   XXXX , the merchant credited {$14000.00} of the fraudulent charge back to my credit card ( see attached ). If the merchant returned the majority of the funds, how could  Chase, just one w eek earlier claim that they had viewed a contract which showed the funds taken from my account had been taken legitimately? I want to complain that Chase carried out an improper and inappropriate investigation which was biased and untruthful.
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

I recently filed a complaint  Caine and Weiner. They responded that they sent a letter. I did not recieve such letter or I would of asked for a validation/verification and then in turn, pay if the debt was validated. This is a violation of my rights. How can they lie and get away with it. I will exercise my rights and then they will owe me.
Consumer complaint received 2022-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

On XX/XX/XXXX I discovered that my Mortgage Company never processed my XXXX XXXX payment. I have verification from the mortgage company app stating that the payment was scheduled for XX/XX/XXXX. Because of this error by the mortgage company, they have added late fees, and reported this to the credit agencies; resulting in a XXXX loss on my credit score. I faxed a letter to the mortgage company on XX/XX/XXXX explaining that this was no fault of mine, it's their fault. I have also NEVER been late on my mortgage payments in the past. Carrington Mortgage Company seems unwilling to work with me to make right of this situation. I also received a certified letter in the mail today stating that I am in default and if a payment is not received, they will start foreclosure proceedings. This is absolutely absurd that a hard working, tax paying, American citizen can be treated like this by a mortgage company. I would appreciate advise on how to proceed as soon as possible. 

XXXX XXXX XXXX Mortgage Company : Carrington Mortgage Services LLC XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CCS Financial Services, Inc. (FL)

Hello, To whom this XXXX concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided Credit collection services with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them XXXX  days to do so and by law since they have not been in contacted with me within those XXXX  days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (TX)

XX/XX/2023 ( the most pertinent among other calls ) Spoke to a representative of EnerbankUSA concerning problems trying to pay loan for an air conditioning unit. I can not get any accurate information on 1. If a payment has been received.

2. How much principal is left on the loan 3. Missing payments.

I can not get any of this information online with my account, on the phone with a representative, or from the statements sent. 
I also got a bill for payment not going through and I can not get any information about this transaction except it was not accepted. This bank, EnerbankUSA apparently works through another bank called XXXX that sent me a payment not valid. I called the number on the bill and it is out of order. It is terribly difficult to pay a loan off if you can not get any information on 1. If a bill has been paid 2. If a payment has been received 3. How much I have paid in total 4. How much is still owed Or if I do get information it is absolutely wrong according to my bank statements. I will not send this lender my bank routing number, I only write checks because I saw they had been sued for secondary lenders taking money illegaly out of peoples bank accounts. 

I was also told a representative would get back to me with 48 hours of XX/XX/XXXX and I never got a call
Consumer complaint received 2017-05-05
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. (GA)

Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency  assigned to it.
Consumer complaint received 2017-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Something is terribly wrong in my mortgage balance. I purchased my home at  XXXX   XXXX   XXXX  in  XXXX , Virginia in the year  XXXX . I have never missed a payment or ever been late with a payment since purchasing the home at said address. I have not ever made a refinanced loan to my knowledge since purchasing this home. However  XXXX   ( Bank of America )  have a balance of {$160000.00} remaining balance with a term of  XXXX  remaining years to pay. Some is fishy about this and when I asked to see the refinance package that BAC supposedly have on file they sent me  XXXX  sheets of paper that looks to be forged signatures. Also, the date of the alleged time was in the year of  XXXX  during the real estate crash. The previous loan was with  XXXX   XXXX  that  XXXX  purchased their loans.  XXXX  # is #  XXXX .
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (SC)

I have a  walmart  card with synchorny bank. I had a  XXXX  limit, I just recivied a letter from them that they have reduced my credit limit from  XXXX  to  XXXX  i owe  XXXX . This decision was based on my other creditors on my credit report and the fact i was late  XXXX  time this year. First my credit is not good due to a lot of things namely a divorce this past yaer and hurricanes and what not. I would have no problem with my limit being reduced but not to the point it puts me at 100 % now my score will tank  XXXX  more points. Its not bad enough the late payments hurt you like they do, but this is just plain underhanded.     How can they base your credit on another creditor thats is not fair in any and it should not be legal. For  XXXX  a big bank amazon picked the wrong partner. Unfair credit practices.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
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
Consumer complaint received 2023-02-15
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: CCS Financial Services, Inc. (AL)

I never received a validation letter or email for this company to collect a debt. 1. I am requesting a debt validation 2. The original contract with the wet signed signature 3. Full payment history from the original creditor 4. Name and address of the original creditor 5. Proof that the company is assigned to collect a debt. This company is not within FDCPA guidelines and if all of the above documents are not delivered, I am requesting immediate removal.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (VA)

My credit repair specialist have sent in multiple documents to Experian, XXXX, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of Experian, XXXX and XXXX about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all 3 companies. 

Everything that I have ever filed will be attached to this complaint for proof.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX    XXXX  , Equifax removed accounts and inquiries due to their inaccuracy and false reporting. Upon reviewing my report, I noticed that everything that was once disputed and removed has been added back onto my credit report. I did not receive any notification that these items would be added back. I am demanding that each and every one of the items that were once removed for inaccuracy be removed once again. This is affecting me negatively and hindering me from moving forward. Equifax has not provided any form of validation whatsoever and yet these inquiries and accounts are being reported. I have attached proof of these inquiries and accounts being removed from my report.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX XXXX from this situation is XXXX affecting my sleep quality and leaving me unsettled. The XXXX feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Equifax failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act.

These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

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 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$13.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$80.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00}
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC (OH)

At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, Quicken Loans , Inc. at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by Quicken Loans. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated 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
Consumer complaint received 2017-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

We have received repeated phone calls from phone  XXXX   XXXX . The caller indicates he works for a dept collector and he is trying to collect a {$1000.00}  ( if I remember correctly ) dept against ou r  XXXX   Card.  Once he mentioned our  XXXX  card I hung up immediately. Our  XXXX  card is our emergency card and we have not used it in a long time. Immediately following my hand-up I called  XXXX  to ensure the card had not been illegally used. The card has a  XXXX  balance with no indication of activity. The same individual has called back twice I told him the second time I called  XXXX  and they verified I do n't owe then anything, I then hung up. tonight he called again and I just hung up and then put their phone number on my blocked number list. The conversations never lasted long enough to determine who the person claims to work for.     It 's clear they are trying to scam us. Thank you for your attention to this activity.  XXXX   XXXX ,  XXXX  XXXX  XXXX
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I told the XXXX location my wallet was stolen and that the car was stolen. I also went to the police and have a case # with the XXXX Police Department : XXXX. 
The rental was made XXXX XXXX XXXX 2023. The total charge to my account was XXXX.