davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX  It was placed for collection and I did not receive any letters from the collection agency. It was sent to Southwest XXXX Services in XX/XX/XXXX.
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NJ)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt. I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2017-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I called TransUnion XX/XX/XXXX, to investigate and remove the following inquiries XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX they refuse when were very disrespectful
Consumer complaint received 2022-04-14
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: Harley Davidson Financial Services Inc (NV)

I have made sure to make my payments on time for XXXXHARLEY DAVIDSON CR with the account number XXXX. This account should not have late payments statuses in my record. Make sure to provide me with any documentation about the late payments being done in the month indicated in the credit report.
Consumer complaint received 2022-08-30
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, AMERASSIST 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 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On Friday XX/XX/XXXX my wife and myself both received an email stating my account with Experian via XXXX had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was told my account was locked out due to too many unsuccessful attempts. I explained that my account has been compromised because I received an email saying my account has been canceled and no one can tell me how this happened. We record all calls to collections or pertaining to debt. If i dont get a resolution on Monday, we are sending the calls and screenshot to the news. Just like my wife, I even tried to create a new account, and the same error occurred after it took my {$1.00}.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MN)

I sent the amount of {$60000.00} USD from XXXX XXXX on XX/XX/year> to Chase Bank. It was confirmed by the gentleman that the money was sent to. it was with the intent to start a business as a silent business partner, which I had contractual obligations with. I found out the gentleman that I was working with was ultimately scamming people, and in addition, was XXXX. I found out about his XXXX around XX/XX/XXXX. 
After I found out about his XXXX, I did some research online and ultimately found out that he was scamming people through multiple businesses. I never saw anything that he told me would be delivered through the business ( such as a website, ads that were to be run, or contacts that I was supposed to have ). 
I contacted my bank, XXXX XXXX  to request that they contact Chase bank to refund the money. Chase Bank was ultimately not able to return the money to me. 
I then contacted Chase Bank directly and asked them to be able to release the money, or provide me with details of who now owns the account and to freeze the accounts so that I could pursue getting my money back. Ultimately Chase Bank sent out a debit authorization to the account holder to return my funds, but were unable to provide me with any additional information on the account holder, or verify if they have or could freeze their account.
Consumer complaint received 2022-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (PA)

I have XXXX XXXX w/ Towne Mortgage and my first XXXX  was paid for work that was not completed nor properly done. He was paid to close a wall ( wall wasn't completely closed ), installing and reframing windows. He was also paid to stucco my property and that was not completed. The plumbing was also done incorrectly and had to be altered by the new XXXX. All windows were not installed nor reframed, he was paid to remove all debris accumulated in the back yard. I had to pay to have it removed by another XXXX. The XXXX was also paid an additional {$3000.00} for drywall that was not installed. The XXXX XXXX  XXXX  found no errors with the first XXXX XXXX work when there is clear negligence. 
My first XXXX called Towne Mortgage and threatened to put a lien on my property. I was told by the bank to just pay the XXXX so that I can move on.
Consumer complaint received 2020-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (CA)

I am being billed for a debt to XXXX XXXX that I do not owe. XXXX, XXXX XXXX XXXX  office out of XXXX in XXXX XXXX and my insurance company have been going back and forth since before XXXX. Now, XXXX has reported me to the Creditors Bureau USA. I feel that this is a form of harassment on behalf of XXXX and the Credit Bureau. XXXX is trying to " Ballance Bill '' me despite the contract that they have with my insurance company. When I called to tell the Creditors Bureau USA that they are trying to collect a debt I do not owe, they initially refused to give me contact information for Quest or to acknowledge there was an error. ( Thanks XXXX working the last shift in XX/XX/21 ). XXXX, a supervisor, finally agreed to give me information. They refused a three way call between my insurance company and themselves where the EOB was explained.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 XXXX XXXX sent me a letter stateing a report was sent out to trans union, to update the accounts XXXX XXXX-account ending in XXXX which was under a 1099-c with account ending in XXXX and XXXX XXXX-account ending # XXXX under a 1099-c under account ending in XXXX, trans union refused to remove the whole accounts, after the creditor sent me a letter stating to remove the whole account, a dispute by me to trans union, XXXX XXXX  letter, two 1099-c forms and trans union credit reports of XX/XX/2022.
Consumer complaint received 2019-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

they are ignoring my e-mails and letters and phone calls.  I can afford my month mortgage payment; I feel behind in XX/XX/2019 due to a martial separation and family emergency; I made a payment of $XXXX in XX/XX/2019. they refuse to help me and they are sabotaging my home.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Items are being reported multiple times, even after I have them removed. 
My information is being sold to other debt collectors, who are harassing me for something that has already been paid off.
Consumer complaint received 2022-04-14
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)

I have been charged XXXX by my bank since XXXX of 2019 out of a bank account I had some money on but didn't use. Recently I needed to start using this account again and I found these charges that were never authorized. 
I contacted the bank, they conducted an investigation and admitted it was their fault. 
But instead of refunding me ALL my money ( upwards of XXXX ) they refunded me only XXXX. 
When I called them, they said they don't need to refund any transactions made over 60 days ago. 
Please find attached some bank statements I collected randomly, but the charges are on ALL my statements and I can provide them.
Consumer complaint received 2024-02-14
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. (TX)

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}.
Consumer complaint received 2022-08-30
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. (AZ)

There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Received text message from Wells Fargo of unusual activity with my personal checking account on XX/XX/22 for a {$300.00} withdrawal. I am the only holder of the card. I do not share the card with anyone. The card was in my physical possession. 

Logged into account to find 5 rejected drafts from the ATM on XX/XX/22 for {$300.00} a piece. 
Found two overwritten drafts from the ATM on XX/XX/22 for {$700.00} and {$300.00}. 

Contacted customer service on XX/XX/22 to report activity and closed card and order a new card. 

Upon arriving home the same day from work logged into my joint account with my husband and found two tele transfers from my joint checking account to my individual checking account ; {$1200.00} and {$580.00}. 

Contacted customer service again on XX/XX/22 to report unauthorized transfers from my joint account to my individual account. 

Wells Fargo claim center looked into the dispute and concluded myself or someone I had authorized accessed my account at an atm in XXXX, TX. 

Received Claim documents from Wells Fargo XX/XX/22.
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NH)

My mortgage company ( Chase ) was over-collecting on my escrow account ( > {$5000.00} excess AFTER my annual tax payment in XXXX ). Even with this gross over-collection and with no indication that my taxes would change, they INCREASED escrow payments for the year. In early XXXX, I asked to have the escrow account closed so that I could responsibility for paying my property tax myself. They sent me an escrow closing notice dated XX/XX/2020 that I received XX/XX/2020. However, they did not enclose a check with my escrow account refund ( {$7800.00} currently in the escrow account ). When I phoned to inquire why they did not include the check, I was told that they typically hold onto the escrow money for an additional 30 days AFTER the escrow closing notice, and that they would be collecting another month 's escrow payment as well. I spoke to 2 supervisors, one of whom cited this link from your website in defense of their practice to hold onto escrow money after the account is closed : https : //www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/20/ # e/5 There is nothing in this that defends that practice -- in fact, they have clearly violated your within 3-business-day notification limit -- so I am reporting Chase mortgages fraudulent practices of charging excessive escrow payments and holding onto escrow accounts for weeks to months after the closure request and confirmation. I am enclosing documentation of both of these herein. I can be reached via email at XXXX or by phone : XXXX for verification of this information.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I was a victim of identity theft. I have filed serval police reports regarding this matter. I have certified mailed my police reports and requests directly to the creditor, the collection agency and to the credit bureaus asking for answers and help. The original creditor is XXXX XXXX XXXX  and the collection agency is LVNV Funding LLC. I have no knowledge of these accounts. This is hindering my life.
Consumer complaint received 2022-08-30
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)

Pursuant to 15 U.S. Code 1681c-XXXX  - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX, I have been a loyal chase customer for over 10 years. I have multiple accounts, credit cards, and a home mortgage loan with Chase. 

Recently, I have been scammed on XXXX via XXXX which is connected to my chase app. I bought two items off of XXXX and have not received the items because the accounts are not real businesses. They provided me with a fake invoice and fake tracking information. I was told on the phone by Chase that there is nothing Chase can do about this. I think that this is absolutely unfair as I have been completely scammed and Chase is offering no assistance what so ever. Again, I have been a loyal customer for over 10 years and I have requesting that Chase refunds me for both of these XXXX transactions- I have attached a screenshot of the fake website that is showing fake tracking information to prove that I have been scammed. 

If need be I will provide details of the XXXX interactions to prove that I have been scammed. 

If Chase has no intentions of resolving this, I am unfortunately going to have to close every single one of my accounts and switch banks. I will also have to be getting an attorney involved in this as well as a police investigation.