davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, This is my second complaint regarding this matter. Initially the original report was filed with XXXX XXXX being the Primary Person in charge of the errors. However, the Credit Bureaus ( Specially Experian ) have REFUSED to do a thorough investigation and DELETE the late payments from my report. XXXX has been more cooperative, but we still don't this issue taken care of. I've also let the Bureaus know that they are reporting the wrong loan balance and that still hasn't been corrected either. I've enclosed a copy of that information as well. 

NONE OF THOSE LATE PAYMENTS ON MY CREDIT REPORT ARE ACCURATE. I've been paying them over {$500.00} on time every single month and they have continued to ruin my credit. THAT ISN'T RIGHT AND THEY NEED TO BE HELD ACCOUNTABLE IMMEDIATLEY. 

In the Meantime, My entire life has been on HOLD. I haven't been able to apply for new credit. I was initially denied the SBA Loan for my Business, Im also a XXXX XXXX XXXX XXXX that is required to have a trust worthy credit history in order to write policies with carriers for Insurance Clients. My health has also been affected, my XXXX XXXX won't come down and my anxiety is at an all-time high. My doctors are overly concerned about me and so am I. 

XXXX XXXX has confessed to making errors on my account verbally in addition to sending me a written email that also took accountability for the mistakes. i would like for Experian and XXXX to order the Tape Recordings of those calls. I have documents showing the dates and times for most of them. However, Ive disputed these items since XXXX of XXXX and here we are in XXXX of XXXX without a resolution. 

I'm not asking for any special treatment I just want my Credit Report to reflect the score and reputation that I've worked hard to obtain over the last 4 years. I've enclosed several documents for your review. 

BTW : Experian sent me a letter dated XXXX stating that they were NOT going to open another re-investigation for me but when they received the notification from your office, they did ANOTHER FAKE investigation that still didn't progress in a forward direction. I have enclosed a copy of the results page dated XXXX. It honestly does not make any sense and I am BEYOND frustrated right now.

I'm a Single Mother, Grandmother, Business Woman and Legacy Builder for my family. My Credit is important because it is the key that opens every door in our life. I have been patiently waiting for over 1 year to get this resolved and unfortunately none of these companies are willing to simply do the right thing. 

IMPORTANT NOTE : I HAVE SEVERAL OTHER DOCUMENTS IF NEEDED FOR YOUR REFERENCE.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C. (TX)

On XX/XX/2021 an associate of Morgan & Associates violated my rights numerous of times. I was called and told I owed a debt when I told her I don't owe the debt she told me I did repeatedly over an over ( 15 U.S. Code 1692b ). And when I told her I didn't give her permission to contact me ( 15 U.S. Code 1692c ( a ) ) and that she was a third party she told me her company works for XXXX XXXX XXXX the original creditor which is misleading representations. She also threaten to file suite with her company 's lawyers ( 15 U.S. Code 1692d ( 1 ) which will harm my reputation for a debt that I believe isn't mines. and when I repeatedly told her she was violating my rights she would cut me off and raise her voice in a rude manner ( 15 U.S. Code 1692d ( 2 ) and then she hung up in my face.
Consumer complaint received 2022-12-15
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. (FL)

On XX/XX/22 I spoke with Transunion via phone regarding an inquiry from XXXX XXXX on my credit report that I didn't recognize and don't not have an account with. 
I told them I didn't authorize this creditor to access my report. the Transunion representative told me I needed to file a complaint with the XXXX in order to investigation this inquiry.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : XXXX. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I did not consent to, authorize nor benefit from the following account : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This XXXX XXXX Account has been closed for two years, XX/XX/XXXX. Then, XXXX XXXX XXXX XXXX created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed XXXX XXXX to change the account number and retain the same false information to the original fraudulent account. XXXX XXXX changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. XXXX XXXX never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

XXXX XXXX and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I have received a letter from American Express Business credit card in which they thanked me for enrolling in The American Express Relief program for which I was expecting to pay on a monthly basis {$68.00} up to 12 months in order to bring back to XXXX  an initial due payment of {$880.00} Dollars. 
So far, 2 payments has been made in XXXX & XXXX of XXXX  for {$68.00} Dollars each. 
Even though I am in compliance with the original agreement they validated on XXXX XXXX 
The have abused their power of reporting to the credit bureaus by doing the following steps : 1- Closed my credit card services 2- Saying that my account is due and in collections XXXX- despised paying on time per their mutual agreement, they have been reporting in a negative way to the credit bureaus that the account remains unpaid, balance is behind 4- the most unethical behavior from a company that tries to offer competitive and reputable services, when in reality stings you like a serpent. 
5- they ruined my credit for this unethical way of reporting, abusing the trust of consumers Please help me out to resolve this issue! This behavior is fraud!! 

I called twice on the subject, they said call the credit bureaus when the credit bureaus stated it was up to them to fix it. 

Look forward to hearing from you on this request.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Moreover, I contacted the furnishers and they agreed to REPAIR the accounts in my file. Please fix the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Yamaha Motor Finance Corporation USA (FL)

My complaint is versus Yamaha financila services web site https : //yamahamotorfinanceusa.com/.. account :XXXX I have purchase Jets kins to XXXX  with extended warranty, I paid for this warranty {$1500.00}. 
I traded my jetskis on finals days of XX/XX/2019 so i did the trade with XXXX so XXXX paid the jetskis loans in full in less than 14 days to yamaha financial services .. I purchased this jets skis to XXXX  and they were financed by yamaha financial services.I have been calling yamaha financial services since those days and every single time is a different story and still I don't get my money back yet.. I suppose to receive {$930.00} back. What kind of service they offer, if i don't pay on time I get punished but who is going to punish them in this case.. i suppose to get some money extra for the delay???. Yamaha financial poor service when is time to get your money back.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

1. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX 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. 


2. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX XXXX 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. 


3. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX 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.

4. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX 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.

5. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX 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 2020-02-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (FL)

On XX/XX/2018 Hurricane Michael, a Cat 5 hurricane, made landfall in XXXX County, Florida. I live in XXXX County and my home sustained major damage. My mortgage is with BB & T. The value of my home is approximately {$650000.00} and my loan balance is approximately {$300000.00}, meaning I have more than 50 % equity in the home. My insurance company has approved and issued payments for hurricane-related repairs in the amount of {$360000.00}. Because of my mortgage, BB & T is holding the money in escrow while repairs are being completed. 

As of today, BB & T has issued payments totaling {$190000.00}. BB & T is still holding {$160000.00} in escrow. Repairs that have been completed and paid for total approximately {$220000.00}. I have personally spent over {$55000.00} of my own money in order to keep repairs moving forward and have recently received invoices from my contractor requesting additional payments of more than {$30000.00} for work that has been completed. Once these invoices are paid I will have spent approximately {$85000.00} for repairs over and above the money released by BB & T. 

Despite submitting all necessary documentation, BB & T has continually delayed issuing payment and only recently XXXX today ) notified me that they would only be releasing {$31000.00} even though their own inspection has determined that repairs are 85 % complete. 

Most recently I submitted a copy of an invoice from my contractor and a copy of a cancelled check showing that I recently paid {$44000.00} for work that had been completed. BB & T has refused to reimburse me from the money held in escrow. Essentially, I am fronting money for hurricane repairs out of my own pocket all the while BB & T holds the money paid by my insurance company for hurricane repairs in escrow for their own benefit.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On. XX/XX/2022. Capital One did what they refer to as charge back and took back money on a debit charge I had made on XX/XX/2022 For a cell phone service plan from my provider straight talk wireless which a division of Walmart. Capital One took back XXXX from straight talk claiming unauthorized purchase which was not true because I bought the phone plan. That in turn lead to my phone service being suspended which in turn cost me another XXXX for last 7 days of my phone plan. I contacted straight talk to see why my phone was off and they told me Capital One had taken back the money. When I reached out to Capital one and said they had no right to do that and that I wanted XXXX dollars credited back into my account for the XXXX they took and other XXXX I had to pay and they said no they weren't going to do that because they have no record of a XXXX transaction on XX/XX/2022. I then contacted straight 2 more times after and confirmed both times that Capital One called it an unauthorized transaction and was not approved. But straight told me 3 times that the transaction on XX/XX/2022 was an approved transaction. Capital one stole money from me for absolutely no reason whatsoever not to mention 25 days after I has made the purchase claiming that it was walmart trying to get paid for the XX/XX/2022 transaction which 4 different customer service agents at straight talk wireless said was not the truth that Capital one was the one who took my money. I have contacted straight talk wireless and asked for copies of my interactions with customer service where they assure me that Capital One had indeed took the money back. I wan na press what ever charges I can against Capital One fir theft and swindle and whatever else I can do. This action by Capital One was a blatant all out theft and they need to be held accountable because if I had done something like that to Capital One I know fir sure I'd be charged and expected to make restitution fir money I took. I want XXXX dollars from them minimum fir my time and suffering and the money they stole from me. Also criminal charges on them as well. Thank you
Consumer complaint received 2019-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I contacted Navient to work on payments. I get my account information XXXX, 2019. Only received a letter saying their counseling and my payment plan. They never notified mean the payments were not going through. XX/XX/2019 We gave them my account information. But continuously they're saying they can't take out the payments. Insufficient funds, yet when I research there's been significant amount of money in my account each time. When I asked for documentation for my bank. They couldn't provide any.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

on XX/XX/XXXX XXXX reported from JPMCB Home Lending   stating the following : ALERT DATE : XX/XX/XXXX ACCOUNT : JPMCB - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX What does it mean? 
We monitor your credit report ( s ) and alert you when new credit activity is detected. If you do not recognize the activity, the alert could signal potential fraud. 

What should I do? 
Review the date and alert details carefully. If you recognize the activity, theres nothing you need to do. If the activity is unfamiliar, we recommend checking your credit report and score for other unexpected changes. Call us if you dont recognize the activity. 

This while stating my home was sold on XXXX this account is closed as well as the following HELOC against my home is also closed!! : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

FLAG THIS ALERT ALERT DATE : XX/XX/XXXX ACCOUNT : JPMCB - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Both of these accounts are said by JP Morgan Chase Bank, NA to be close as to be against my ONE home supposedly sold on XXXX. Both of these accounts are supposed to be CLOSED BUT INSTEAD THE ACCOUNT NUMBERS HAVE BEEN SWITCHED AROUND TO LOOK LIKE THEY ARE STILL OPEN. THIS IS FRAUD!!! but this illegal false information is being posted on my credit bureau reports. This needs to be reported to the IRS for many crimes by JP Morgan Chase Bank, NA. 
This was an ILLEGAL auction with the use of falsified forged mortgage And promissory note documents. There are NO required original documents needed to Legally foreclose but JP Morgan Chase Bank, NA refuses to follow the laws required to be legal and now are trying to commit tax evasion and money laundering by hiding what they are doing with these fake reports. This information is NOT in litigation as it occurred AFTER the litigation was filed and ONLY that which was involved in that filing is applicable in the present Appeals case. Nothing since then including this compliant information is in litigation. NONE of this is in litigation!! This was NOT a Legal valid foreclosure sale only a scam to terrorize me out of my home.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NV)

Opened American Express XXXX XXXX card in late 2019. Promised XXXX XXXX XXXX points if I charged {$4000.00} to card in 3 months. I complied with spend requirements on XX/XX/2019 and paid all bills promptly. 

American Express is now denying me the promised points. Company claims they provided a " pop up '' saying I might not be eligible for the points. I received no such notice and would not have paid an annual fee of {$450.00} for this card if I had not been eligible for the points. 

My research shows that many others have been treated the same way by American Express. 

This is clearly an unfair and deceptive business practice.