davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called transunion about inquires on my report that were not mine, I was told i needed to call the companies that placed the inquires on my report, I called those companies and was told that they could not do anything about it and that it was transunion that needs to investigate and delete, I call transunion back and was told to call the company back I advised them I had already done that and they said the cant remove them even with me telling them I have a fraud claim open the said no and that I would need to file a complaint with the cfpb
Consumer complaint received 2018-09-21
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)

I contacted XXXX XXXX XXXX two months ago to request that my credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy that was filed XX/XX/XXXX. The XXXX XXXX account on report was corrected about a month ago but this month the account is again showing charge off collection/skip status, which is violation of chapter XXXX bankruptcy stay of creditors. 

Although again attempting to resolve this issue, XXXX advised me to once again dispute with Equifax ( copy of email attached ). I have disputed online previously with no success -- only XXXX was able to update report couple months ago. This same issue has occurred with two other creditors as well and ONLY with Equifax, not the other credit reporting agencies. Equifax continues to change accounts that have been included in my ACTIVE bankruptcy for nearly five years to charge off/collection status, which has been VERY INFURIATING. If my Equifax report continues to show unlawful information for accounts included in my bankruptcy case, I will be filing a lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy automatic stay statutes. Enough is enough!!
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I am contacting the CFPB in desperation as I have been trying to obtain a loan modification since XX/XX/XXXX with no success. my loan is an interest only negative amortization adjustable rate mortgage. The home is worth {$280000.00} and with arrears owed from XXXX/XXXX/XXXX at {$220000.00}, I owe a total of {$640000.00}. I had been working with Aurora from XXXX until the loan was transferred to Nationstar in XX/XX/XXXX. I am denied over and over for different reasons. Most recently for insufficient income. Since XX/XX/XXXX, I was using my business bank account for deposits but I had my account frozen XXXX from a debtor I was disputing and was able to get the funds released both times but I have not deposited any money into this account as I getting the money released takes time which I can not go through again. I use XXXX and submitted the invoices with the check cashing receipts to match up and a quarterly profit and loss explaining this with the deposit details to help clarify. I have been trying so diligently for so long to get a modification and resume making payments and have gotten nowhere except now, there is a scheduled foreclosure sale on my home for XXXX/XXXX/XXXX.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (FL)

Called XXXX XXXX credit card fraud dept. reported that I never applied for a credit card. They said they would close the card. Talked to XXXXXXXX XXXX fraud dept. XXXX told me 2 credit cards were taken out in my name. With the correct name, address and social security #. However it was missing my middle name, in which I always use. all of this took plavce the week of XX/XX/XXXX. I also had a bank account open with the same information in XX/XX/XXXX with Wells Fargo. They wouldn't confirm or deny if they were the leak of my information. The reason I think that they are responsible for the breach is because in XXXX we opened a bank account with Wells Fargo and realized 2 days later are information was used to try and get a loan with Wells Fargo and wasn't on our credit score? That was a red flag. We closed the Wells Fargo account that day. It never showed up on our credit score so we thought it was someone trying to trick us and we stopped it. However I am not sure anymore. I'm scared that my social security # has been stolen and I could loose so much of my credit because of that ID theft.
Consumer complaint received 2022-12-17
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. (GA)

I have reason to believe your company is violating federal law by knowingly furnishing false credit information on my consumer report. These accounts are in direct result of identity theft. I have on several attempts requested that the consumer reporting agencies provide verifiable proof to why these accounts have not been deleted. I am also a part of the Equifax Breach which has caused a significant amount of damages to my consumer report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter Please consider this your final opportunity to cure before this becomes a litigation matter.
Consumer complaint received 2021-11-15
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. (OH)

I filed a complaint ( # XXXX ) and it appears that it has been closed out without resolution ( apparently you have taken Chase 's word that it has been resolved ). I received a call from Chase stating that they could not discuss the specific affiliate that apparently started the chain of events that caused them to close 3 accounts in excellent status. I was told I would receive a " detailed resolution '' by mail, explaining the outcome and that my accounts would not be reopened ( something I did not ask for ). No such letter has arrived. I will not reiterate the details of the complaint since you have the file. What I find disturbing this that I have no recourse. I would never want to do business with Chase again but I am baffled that an " unnamed affiliate '' can stand as the reason, particularly since I have no ideal who that would be. As a consumer, I have been damaged without any knowledge as to why.
Consumer complaint received 2021-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

After i sent a dispute, debt validation letter certified mail, exercising my consumer rights under FDCPA and FCRA laws. The company failed to give notice to credit reporting agencies that the debt was disputed. I told them that they couldn't report to my consumer report without giving information that i requested to validate the debt. I sent a cease and desist letter, they responded saying they have processed my cease and desist and they still posted on my consumer report after i enforced my consumer right. The company went and stole my personal property and i filed a federal laws suit against the company. Due to the litigation i need the inaccurate information to be removed from my consumer report. XXXX XXXX  DBA OF XXXX, XXXX XXXX listed on my consumer report, must be removed due to me having full evidence of notice and never giving written permission for information to be posted to my consumer report.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

Dear Madam/Sir : Please be advised that I strenuously disagree with AMEX 's egregious, discrimatory and XXXX decision to cancel ALL of my AMERICAN EXPRESS Card, including MY CORPORATE CARD, without the benefit of a fair and impartial adjudication of the present and historical facts. I especially take objection to your characterization of me contained in your letter, which is at best erroneous but us in fact discrimiatory. 

Specifically, I have been loyal American Express Cardholder from more than 20 years. I have dutifully paid my bills ON TIME and have been a consistent and regular user of both my personal and CORPORATE cards. Further, I am a well-respected financial professional with more than 36 years in the financial institutions space. To have AMEX unceremoniously cancel my Hilton, Surpass Card AND Corporate Card based on a biased representation of the facts has jeopardized the well-being of not only myself, but of that of my employees. 

With all of us dealing with the COVID pandemic, these actions are unconscionable and disgraceful. These are especially pronounced since AMEX have not been made privy to the disrespectful treatment I have received from your Customer Service representatives in the past ( which has persisted until the present day ). I have attached a link to some of the comments on the behavior of their customer service representatives. 
https : //www.corporate-office-headquarters.com/american-express-company Accordingly, I am formally requesting that AMEX reconsider their short-sighted decision and reinstate both my Corporate ( Account ending in XXXX ) and Hilton Surpass Card ( account ending in XXXX ) in due course. 
. 
I look forward to your prompt and courteous reply and a satisfactory conclusion to this episode. But I really need your help!
Consumer complaint received 2022-12-17
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. (LA)

This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  Balance : {$10000.00}
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Attempted to dispute with collection agency. Information on all 3 Credit Reports does not match. Date on XXXX is XX/XX/XXXX, XXXX ; no info and XXXX ; XX/XX/XXXX. XXXX shows placed for collection, while XXXX and XXXX don't show any info. 
Date last active on XXXX shows XX/XX/XXXX, XXXX no info and XXXX XX/XX/XXXX. How can there be a 2 year gap between 2 bureaus and no info for XXXX. I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately. As it has a detrimental effect on my credit and due to the fact it is not reported accurately, it should be removed.
Consumer complaint received 2022-10-13
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. (GA)

I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX CARD XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S (WA)

XXXX XXXX XXXX, attorney for Debt Collection and the XXXX XXXX   and/or XXXX have no rights to file a lawsuit against me after my account has already been closed by the XXXX on XX/XX/2019. This is clearly a violation of the Consumer Protection Act and the Fair Debt Collection Practices Act and unethical code of conduct. Again, this is the harrassment and abuse by you and the XXXX and XXXX Bank. This is clearly against the rules of laws.On XX/XX/2019, the XXXX issued the refund and the check in the amount of {$0.00} ( check # XXXX ) and I received the check, but did not cash it on XX/XX/2019 ) XXXX XXXX XXXX at Suttell & Hammer , p.s.XXXX, XXXX, XXXX ; XXXX. I responded to your letter and to your office ( XXXX ) XXXX and left the detail messages for Ms. XXXX XXXX on Thursday, XX/XX/2019 at XXXX XXXX  ( PT ) on her recorder but she did not respond to my phone call. I also left my name, account # or reference # for her and my home phone numbers. And, on XX/XX/2019 I also mailed my response to you. 
My address : XXXX XXXX ( consumer ) ,XXXX XXXX XXXX XXXX, XXXX, XXXX , WA XXXX ; homephone ( XXXX ) XXXX.
Consumer complaint received 2023-06-27
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. (AL)

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 Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00}
Consumer complaint received 2021-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAP ONE AUTO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This account is already paid. I demand that your agency reinvestigate the reporting on this account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MA)

In late XX/XX/2021 I signed up for at-home water delivery from XXXX, a XXXX XXXX  XXXX XXXX XXXX I received my first delivery and water dispenser. For the next water delivery, the company was delayed. Then delayed again and again. Finally I contacted the company and cancelled my service. This was confirmed by email. When the driver next showed up, he tried to deliver water but I refused the water and asked him to return the dispenser as well. In XXXX and XXXX, XXXX continued to charge me for water that I never received. I contacted the company and was assured that there was no actual charge as my account was closed. Early this year, I XXXX tried to charge me again. This time I contacted the company by phone and was assured that it was just a computer error, I did not owe any money. This XXXX, I received TWO invoices from ASSOCIATED CREDIT SERVICES , INC. informing me that I owed XXXX in the amount of {$46.00} and {$150.00}. I don't know what these amounts represent as I paid for my original water, and never received any product from them again. Please help me to clear up these fraudulent claims with a debt collector.
Consumer complaint received 2022-04-11
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. (MD)

Improper use of my credit. Inquiries 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 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Control Technology, Inc. (TX)

In XXXX I received an alert from my credit report that Account XXXX XXXX has " Parked '' a debt on my credit. No letter was mailed to me, no call made. Debt parking is illegal. XXXX XXXX was provided a identity theft affidavit along with a police report In XX/XX/2020. The debt was removed back in XXXX of 2020. Now, Account XXXX XXXX will not honor the identity theft documents. I am hoping that you all will fine the collection company for debt parking this debt in my name, as well as fine them for not honoring my dispute that was sent via certified mail to the address of XXXX XXXX XXXX XXXX XXXX, OH XXXX.
Consumer complaint received 2022-12-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC (FL)

I the consumer, orginal creditor, XXXX XXXX has sent an Affidavit of Truth to the debt collector Javitch Block LLC regarding federal violations commited against me by their company. They are in violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692b ( 5 ). 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; In exhibit A and B proves that these violations have been committed. I have also instructed Javitch Block LLC that all payments made to them be sent via check to the address on the Invoice pursuant of 15 USC 1692h 15 U.S. Code 1692h - Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Also provided Javitch Block with a cease and desist pursuant 15 USC 1692c ( c ) and invoking my specified remedy as the consumer and original creditor pursuant of 15 USC 1692c ( c ) ( 2 ) I am demanding that all account be XXXX out, Pay the attached invoice for every federal violation, and direct payment shown in exhibit A and exhibit B to address provided pursuant 15 USC 1692h.