davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
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)

I wrote the three credit bureaus, XXXX, Equifax and XXXX onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-29
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. (FL)

The following account is a fraud account as I have never opened or used it : XXXX account ending XXXX The attached original XXXX XXXX statement shows Suite XXXX as part of my address, but I never lived in that suite and it doesnt match the correct suite XXXX showing on my credit report.Please delete asap.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 JPMORGAN CHASE & CO ( SEE ATTACHMENTS ) sent me, the natural person, consumer and Original Creditor proof that they would cease communication with me pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection ; JPMORGAN CHASE & CO did not cease communication pursuant to the previously stated federal law ( SEE ATTACHMENTS ). This means that JP MORGAN CHASE & CO, pursuant to 15 U.S. Code 1611 ( 3 ) - Criminal liability for willful and knowing violation, continued these individual actions willfully if we are looking at the dates each correspondence has compared to when the cease and desist was acknowledged. After nearly a month of back and forth I, the natural person and consumer decided to ask JPMORGAN CHASE & CO for validation of the alleged debt pursuant to 15 U.S. Code 1692g - Validation of debts and was provided the name and address of myself and my address ( SEE ATTACHMENTS ). JPMORGAN CHASE & CO has also sent proof of receipts with statements in a positive balance, which aides in confirmation that a consumer credit transaction took place. I took the time out to learn these laws and that caused my partner and I to argue more of money needed in the household to pay alleged obligations arising from consumer credit transactions and ; 15 USC 1692d ( 1 ) ( 2 ) - Harassment or abuse to suggest or assume that an attorney denies representing me, a natural person and consumer is an oppressive statement to which I deem obscene and damaging to my reputation ( SEE ATTACHMENTS ). Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information the symbol in the documentary evidence gives me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & CO has never given me cure or relief so why would I associate this symbol with anything other than debt collection? Prove me wrong. I have tried to resolve this complaint however I am of tired of being unheard and passed around from one department to another, as a deflect responsibility ( see attached ). After my investigation, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (CA)

I have contacted numerous time my credit report agency and every time they would ditch me and give me an stupid excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX, I called Pentagon Federal Credit Union ( PenFed ) to complete a vehicle loan application that I had started online. I had started to apply for the loan through their car-buying service, XXXX, so that I could get their low interest rate of 0.99 %. My loan is for {$19000.00}. I made sure that the representative knew exactly what I was trying to do when I called. She was able to complete the loan application, and she told me that I was approved for the 0.99 % interest rate. When I received the loan check, it had an interest rate of 1.89 % on it. Since this was incorrect, I gave them a call on XXXX XXXX. Another representative took a look into it, and she then told me that she was able to make the change to the 0.99 % and that it should reflect on my account soon. I asked her if I should still use the check that I received, even though it had the wrong interest rate. She told me to go ahead and use it. So, I provided the check to the dealership on XXXX XXXX. I waited 2 weeks for the interest rate to change on my account, and it didn't. So, I called PenFed again today, on XXXX XXXX. I explained everything to another representative. After he looked into it, he told me that I actually already had the discounted rate, and that rate was 1.89 %. He explained that I was originally approved for 2.89 % and the discount from XXXX brought it down to 1.89 %. I asked if there was anyway for this to change, and he said no. A few hours later, I called again and explained my situation again. I said that 2 representatives had told me that I should have the 0.99 % interest rate, and both of them told me this before I had given the check to the car dealership. I did not know that I was approved for 2.89 % until XXXX XXXX. I would not have gone through with the loan if I had known the interest rate up front, but I was assured by two different people that I should have had the cheaper interest rate. PenFed is telling me that the interest rate is completely dependent on credit score, which I completely understand. I am upset about the fact that I was told twice that I should have the cheaper interest rate, only for me to find out later that this was not the case. I have looked through all of my physical documentation as well as online, and I have no record of a 2.89 % interest rate. I can only see the 1.89 % interest rate. If I had known about the interest rate up front, I would have gone with a different lender who approved me for a rate cheaper than 1.89 %.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (DC)

On XX/XX/2021, my mortgage with Flagstar was paid off as part of a refinance process. According to their records, Flagstar issued a refund of the escrow balance on XX/XX/XXXX. 

On XX/XX/2021, having still not received the check ( or receiving notice that it was actually mailed through USPS Informed Delivery ), I called Flagstar to follow up. The customer representative claimed that company policy was to wait 3 weeks after the initial check for a reissue. 

On XX/XX/2021, I called in again and a customer representative claimed that they could then put a stop notice on the previous check and issue a new one, and gave a reference number for the process. However, the timeline that they provided was that it would be another 3 weeks from that point for the check to be processed, and then additional time for mailing. 

I do not believe Flagstar has the processes in place to comply with 12 CFR 1024.34, which requires refund of escrow balance within 20 days of a borrower 's payment of a mortgage loan in full. I still have not even received the earlier check that Flagstar claimed to send in XXXX ( or seen it appear in USPS Informed Delivery ), so I doubt whether it was ever sent in the first place.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

On XX/XX/XXXX I sent a Certified letter to Eastern Account System for reporting inaccurate information to the credit bureaus ( XXXX, XXXX, XXXX  ). The company refuses to delete or to provide adequate proof that the claimed debt is mine. The are still reporting this inaccurate item as of XX/XX/XXXX it is still on my credit report.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX Called XXXX XXXX XXXX to XXXX. I paid with my Debit card to : XXXX XXXX XXXX amount of {$1600.00} they supposed to send me XXXX within 30 days which, fit my XXXX XXXX XXXX XXXX They sent me wrong XXXX which, i wasnt happy with it. Then, i return it back to them. Since then i didnt hear from them. I called my bank to dispute it. Because wasnt happy with their service. My bank, Wells Fargo said that, you sent a check, check number XXXX. Unfortunately we can not return your money back. I told them, first of all my checking number is around XXXX how did i issue a check number XXXX to XXXX XXXX XXXX? 
I called Wells Fargo several times after hours on the line again somebody coming on the phone ignor that to pay my money back. 
I need your help. I don't know how should i get my money back? Besides same XXXX XXXXXXXX XXXX XXXX selling for {$1600.00} I found that in XXXX for {$35.00} one time payment. 
I am willing to provide you the picture of that check XXXX Wells Fargo issued with out my permission & No signature. 
Thanks
Consumer complaint received 2021-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC (NY)

On XX/XX/XXXX, I mailed out a Validation of debt request to Rubin and Rothman, LLC. I have not received a response whatsoever. I want this account removed from my report.
Consumer complaint received 2021-07-29
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: Bread Financial Holdings, Inc. (NY)

I have reported to Comenity Bank / Alliance Data over 2 months ago a dispute in reference to several invalid transaction that Im owed credit by the merchant. I have provided all relevant supporting documents along with a letter from my attorney with Confirmation from Visa USA concerning the time frame set by Visa. Unfortunately, while Comenity has indeed given me a temporary credit on these 3 transactions, they have not resolved these disputes and as reported to me they havent even began the 1st step of permanently recovering these funds. As outlined by my attorney in the documents submitted to Comenity Bank, Per Visa USA, Comenity only has 120 days from the date of the credit documentation to submit a proper dispute. These 120 days run out on XX/XX/XXXX. Comenitys negligence is unacceptable. They have no right or business to sleep on this file for 60 days and do nothing. 

- this was also reported to Comenity, but at the time, Comenity wrongly assumed they were already credited on XX/XX/XXXX and they did not notice that these credits were reversed the next day on XX/XX/XXXX. several months ago a was finally able to obtain a pledge for credit from the merchant, only to fall pray for Comenity to sleep on the file for a few months and do nothing.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I noticed some credit inquiries in my credit report of Trans Union, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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. (CA)

I am writing to follow up my ongoing dispute regarding the erroneous accounts that have been included on my credit report, which directly contravene my rights to privacy, fairness, and impartiality.
Consumer complaint received 2021-07-29
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. (PA)

This letter is about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$810.00} or my account was charged off {$810.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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 have tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.
Consumer complaint received 2023-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-07
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. (GA)

I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau XXXX How can it be verified by Transunion- XXXX- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding that debt. 

" I recently reached out to XXXX XXXX XXXX regarding a collection appearing on my credit report. They informed me that my account was closed. However, I've noticed that the reported dates keep changing, making it appear as though the account is still active. Despite being marked as opened in XX/XX/2019, it continues to be reported monthly, significantly impacting my credit score. '' this account is closed and no longer handled by XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-31
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: CORELOGIC INC (CO)

I have XXXX XXXX credit card, and I added another XXXX XXXX card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by CREDCO, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted XXXX teams, resulting in being bounced back and forth. We have talked to XXXX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.
Consumer complaint received 2021-07-29
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: CREDIT ACCEPTANCE CORPORATION (OH)

I had turned Credit Acceptance in for late payment reporting when I had XXXX  and had told them it was dude to covid. After consumer finance addressed credit acceptance stated it was to be corrected. XXXX XX/XX/2020 and XXXX late payments were to be removed marked no report etc. I turned them in on XXXX  as it was not corrected there. This was credit acceptance response INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and I need this corrected I'm trying to buy a house and I have fought this 4 months already.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I requested that Eastern Account System validate an account that they are reporting on my credit report from WOW. The company has not validated this account and the account is still on my credit report. This is not my account. The company has not provided a written agreement with my signature on it proving that this is my account.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

LVNV FUNDING c/o RESURGENT CAPITAL SERVICES placed a {$170.00} collection on my 3 credit bureau reports dated XXXX XXXX, 2015 for an account I never received dunning correspondence about. In addition, the original account is past the statute of limitations ( XXXX ). I have complained with the BBB and filed disputes with the credit bureaus as well and would request that this " ACCOUNT '' be " CLOSED '' and REMOVED from all 3 credit reports.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Augusta Collection Agency, Inc. (GA)

This XXXX collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2021-12-31
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.