davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

Subject : Immediate Action Required : Unlawful Credit Reporting in Violation of Maryland FCRA Identity Theft Fraud Laws Dear LVNV funding, I am writing to bring to your immediate attention a grievous violation concerning the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Maryland identity theft fraud laws, specifically Maryland Criminal Law 8-301 et seq.

It has come to my unequivocal attention that LVNV funding has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as mandated by federal law, particularly Section 1681b ( a ) ( 2 ) of the FCRA.

In addition to federal law, Maryland state law, specifically Maryland Criminal Law 8-301 et seq., emphasizes the necessity of consumer consent for credit reporting and outlines severe penalties for identity theft and fraud, further underlining the gravity of this matter.

I assert without reservation that I have not provided consent for LVNV funding to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights, potentially causing significant harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws.

I demand, with utmost urgency, that LVNV funding immediately
ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Maryland identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws. 

I wish to emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Maryland state law, and identity theft and fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, aimed at safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect your immediate attention to this matter and trust that LVNV funding will promptly rectify these egregious violations, while respecting my rights under federal and state laws. 

This communication is made in good faith. 

Sincerely,
Consumer complaint received 2021-09-30
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: Bliksum, LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2019-12-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. HOWEVER, they did XXXX XXXX ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with XXXX in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. XXXX XXXX attached XXXX. It has been many months yet they are still listing a negative ( XXXX XXXX on my credit reports, despite the law giving them 30 days maximum. 

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX On XX/XX/2018 I noticed in the morning an overdraft was going over the weekend so I deposited more then needed to cover the check and as I deposited money it deducted the money from my deposit so I felt all was good. The next 2 days on XX/XX/2018 my fee was added I made the deposit prior to XX/XX/2018 but the bank doesn't credit it the same day even though they told me it was.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

I mailed a check on XX/XX/XXXX for a total of {$50000.00}, which included my monthly mortgage payment of {$1800.00} and an extra payment of {$48000.00}, which is the proceeds of the sale of my former home. This check was deposited by The Money Source ( TMS ) on XX/XX/XXXX ( see attachment ) and then backed out of my account on XX/XX/XXXX, when my account was transferred to my new loan servicer, XXXX. I was not informed that my payment would be backed out of my account, the payment has not been transferred to my new account at XXXX, and I no one has been able to tell me when ( or even if ) the money will be either transferred to my new loan servicer or sent back to me. Below is a timeline of events with evidence attached to this complaint as available. 

XX/XX/XXXX - Check deposited by TMS ( cancelled check attached ) XX/XX/XXXX - funds backed out of my account ( account activity attached ) XXXX - I called TMS customer service and asked for an explanation and update as to when the money would be sent to XXXX. I was promised a phone call by XXXX XXXX - I called for an update since first representative never got back to me, was promised a phone call by XXXX XX/XX/XXXX - I called again for an update as XXXX rep never got back to me, was promised a phone call XX/XX/XXXX XX/XX/XXXX - I called again for an update, as XX/XX/XXXX rep never got back to me, was not able to get one, spoke briefly with XXXX -- Supervisor. He has promised me a phone call ( with or without update ) on XX/XX/XXXX XX/XX/XXXX - I emailed XXXX XXXX - VP of Customer Experience - with full explanation. On XX/XX/XXXX She says she will hopefully get back to me by XX/XX/XXXX. ( email exchange attached ) XX/XX/XXXX - Called a rep ( from XX/XX/XXXX call ) who had given me their extension. No answer and no call back, I left a messages requesting a call back with or without an update. XXXX - Supervisor - who promised to call me today did not call. 

At this point, TMS is costing me money by holding the payment, both from PMI that could be removed from my loan and in interest earned on the balance on my loan.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (PA)

Complaint Number # XXXX IS NOT CLOSED. LoanCare responded partially with insufficient and incomplete information, they didn't mention when they received the money. So my request is not addressed completely as there is no information on the extra interest I paid, who'll pay me back. I believe CFPB didn't notice my initial request and incomplete response from LoanCare and closed the request by mistake. XXXX accepted lately that they received the fund on XX/XX/XXXX. But it was originally sent to LoanCare ( prior Loan company ) on XXXX XXXX. While sending the money the payoff was calculated till XXXX XXXX, so ideally they will return the extra interest I paid for 3 days ( XXXX, XXXX, and XXXX XXXX ). This information is not available with XXXX. LoanCare never shared that information to XXXX, rather they are mentioning when they sent to XXXX. Why after 14 days? Who'll pay me back the extra money I paid. Called LoanCare Office of the Customer, they did not agree to include that in the response, saying loan is closed from their end.
Consumer complaint received 2021-09-30
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: Possible Financial Inc (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-30
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. (PA)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXX XXXX  during COVID-19.
Consumer complaint received 2023-02-23
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)

This is my sixth 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$4800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC. (VA)

I'm am in the XXXX, so I work rotating shifts. I stopped at a XXXX ATM to withdraw {$160.00}. The ATM did not dispense the funds. Minutes later I tried a XXXX XXXX ATM and was successful. I called my bank ( XXXX  XXXX credit union ) and file a dispute which they credited my account temporarily. A month later, the bank took the funds back and stated that the ATM company ( owned by Prosperity bank ) sent a transaction log showing a successful withdrawal. I called the ATM company at XXXX to gather more information. They stated the same thing, transaction log show successful withdrawal. I filed a complaint with the FTC as well. What else can I do? I feel like I was legally robbed.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

HUNTER WARFIELD INC XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$29000.00} does not belong to me. The company continued to ask for documents and identification to further scam me or commit fraud which i do not feel comfortable sending information to this company i have never done business with. This company doesn't have any information or documentation on me due to this being fraud. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank closed all of my credit cards without explanation. I am not sure why they would have done so. I have an XXXX credit score which is now likely going to take a major hit. I was provided with zero information from chase over the phone or the branch representative. I was told it was a " business decision ''. I would like to know why this was done, why there was no warning to discontinue whatever may have been that bothered them, whether this is a lifetime ban from using their services? I am a respectable nice guy, a real estate attorney with a high income. I carry no debt on my accounts. I would appreciate an answer as to why this was done and what if anything can be done to reverse this.
Consumer complaint received 2019-11-20
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: CITIBANK, N.A. (NC)

I was scammed by a service company. They charged me upfront {$1600.00} on the phone without disclosing that they hired an assistant who does not have the license to perform the service. When I asked for cancellation and withdraw, the company denied. When I disputed to my credit card company, the service company represented fraud evidence that I was compensated {$500.00}. My credit card company closed my dispute in the favor of the service company.
Consumer complaint received 2019-12-12
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

Unbeknownst to me my previous homeowners insurance carrier XXXX, canceled my homeowners policy on XX/XX/2022. In XXXX of XXXX I  was contacted through the mail by my mortgage company PNC Bank. They informed me that I no longer had homeowners insurance ( to which I was not aware ) and that I needed to purchase it. I reached out to avatar and I was told that they emailed me three times to let me know that my policy was being canceled. I asked them what email address they sent it to and they had left out a letter in my email address each time so I never received any notice. They did not bother calling me, nor did they bother mailing me anything. Homeowners insurance was purchased. I then receive a letter from PNC Bank telling me that I now owe homeowners insurance for XX/XX/2022 through XX/XX/2022. Unless I can provide proof of insurance or purchase my own policy for that timeframe, they are going to do it and charge me for it. I know that legally an insurance company can not write you a past policy so it wasnt possible for me to purchase a policy for that time frame. PNC Bank is charging me {$510.00} for an earned insurance premium since of course I can not provide proof of insurance because I did not have it. My new policy is {$1600.00} for an entire year and they are charging me XXXX of that for less than 15 % of the year. I received a check from avatar and I deposited it into my escrow account with PNC Bank so that they are not out any of the money that they spent for the previously canceled policy. I feel like I do not have any option but to pay this and is some type of extortion. They werent out any money because of this, no claims were made during that 2 month window and yet they are trying to capitalize on this. Is there anything that can be done about this?
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2016 I sent a personal check via priority mail with tracking to Chase they received it on XX/XX/2016. They could not find it still as of this date. Consequently I wired payments of XXXX each for XX/XX/XXXX and XX/XX/XXXX payments for a total XXXX wire of XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX Pa. Branch manager XXXX XXXX from the Credit Union and an agent XXXX XXXX an agent for Chase completed the wire transaction. Chase did not credit my account as of yet. The funds have left my bank account 24hrs ago but my mortgage account has not been credited as of yet.
Consumer complaint received 2022-05-26
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TX)

Beginning in XXXX of XXXX, the mortgage I had with XXXX  XXXX XXXX was sold to a third party and maintained by M & T Bank. By XX/XX/XXXX, I began receiving calls from M & T Bank stating the mortgage account was past due. I explained to each representative which called, the account was not past due as all payments had been made. In XX/XX/XXXX, M & T Bank began refusing payments, stating the amount had changed ; which I had not been informed of. Then in XX/XX/XXXX, I received notice M & T Bank had begun foreclosure proceedings. At this time I began attempting to resolve the issue, with zero efficiency as no lawyer would consider taking the case. In XX/XX/XXXX, I attended the hearing as a last effort to stop the foreclosure proceedings, but was told by the judge the foreclosure was confirmed and the bank had only need to have the XXXX XXXX schedule and conclude a sale of the property. This occurred in XXXX of XXXX. During the course of the proceedings, I continued to get the information I needed from XXXX  XXXX XXXX proving what I had informed M & T about from XXXX. In XX/XX/XXXX, I received a letter from XXXX  XXXX XXXX stating they had made an error during the sale of the mortgage.
Consumer complaint received 2024-04-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (IL)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

From last XXXX to now, I have not received the funds in the closed account for more than half a year. The reason is that I was informed by chase that my account was closed last XXXX. During this period, I went to chase offline bank for several inquiries without success. The offline bank said that they did not know how the money would be sent to me in the form of check. I tried to give the bank officer the number I was given to inquire about it, but it was still fruitless. As a XXXX XXXX, I really need this money for XXXX  and living expenses. I can't think of any other way to ask the bank to give me the money back.