davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-08-10
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: Mr. Cooper Group Inc. (FL)

My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. XXXX XXXX 2. XXXX XXXX XXXX I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. Nationstar Mtg./ Mr. Cooper
Consumer complaint received 2019-10-13
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: JPMORGAN CHASE & CO. (VA)

I have held the account in question for many years. In XXXX of XXXX, I used the account to make a hotel reservation deposit ( {$390.00} ) for a planned trip. The trip was cancelled, as was the reservation. Despite the reservation cancellation ( and the fact that the hotel confirmed that cancellation ), the reservation charge appeared on my account. I contacted the hotel via phone, and was told there had been no cancellation and the deposit charge would stand - and was told a supervisor would contact me ( which did not happen ). I then contacted the issuer of the credit card, describing the dispute. The issuer eventually sent me a paper form with which to file a written dispute, which I returned on XX/XX/XXXX - including a copy of the cancellation confirmation from the hotel. After hearing nothing, I sent the issuer a letter on XX/XX/XXXX asking for a response/resolution. The issuer responded on XX/XX/XXXX - indicating the hotel was not willing to credit the charge, and referenced, of all things, the AMOUNT OF TIME THAT HAD TRANSPIRED SINCE THE INITIAL CHARGE WAS MADE. I made an additional request for a logical resolution to the matter by letter on XX/XX/XXXX. After receiving no response, I sent the issuer a letter on XX/XX/XXXX reiterating my efforts to get a resolution - and cancelling the account. After again receiving no response ( but receiving additional statements ), I sent another letter on XX/XX/XXXX, again pointing out my efforts to resolve the matter - and reminding the issuer the account was to have been cancelled. To this date, the issuer has continued to send me statements, adding fees each month. The issuer has also provided negative information relevant to this account to credit reporting bureaus.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I discovered on my own that a fraudulent auto loan was originated and approved by Bank of America under my name for {$130000.00} XXXX days ago on XX/XX/2023. 
There had been no contact by any means from Bank of America to me on this loan origination process. Believe I am a victim of identity theft.
Consumer complaint received 2023-07-18
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: Westlake Services, LLC (NJ)

I have an account with XXXX. The payments are automatic and current, as per my credit card statement. The company XXXX XXXX XXXX has reported that I have not made any payments toward the account in question resulting in a negative effect on my credit report. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northeast Recovery Solutions, LLC (VA)

A person by the name of XXXX XXXX from a company called XXXX has called my children personal cell phone ( do not know how she received that info ) and scaring them stating that your mother has been turned in to XXXX County and a warrant for her arrest. I then received a note from a Neice in a whole other state stating this same company and stated named person above called her about a complaint against me. My sisters and husband and myself have received this call. We asked for documentation and she lies and said I have been sent documentation, this is a lie I do not know her and not een sure of the debt she is speaking of. the only debt issue I have that is not in my current Credit Counseling file is one with a place called XXXX XXXX XXXX I am assuming this is a bad debt XXXX must have purchased and now harrassing my family and me. I have a file history for the XXXX XXXX and a XXXX  complaint I filed against them for how they tried to handle the issue with me which I thought was unfair. I am I guilt for getting the loan yes ... However, this does not give anyone a right to intentionally practice these unfair negotations. I have attached file from niece and number from daugther that was spoken to each of them. 

Note from Daugther : Hey mom there is a complaint pending against you in XXXX county ... here is the number to call XXXX XXXX Then in the attachment below her name was given to my Neice and My husband. 

I have also attached the original XXXX complaint I filed against the clients she claim she is representing.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX and XXXX but not equifax. Equifax report has negative report.
Consumer complaint received 2018-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (OH)

It appears that Discover card employees have retaliated once again due to my past CFPB complaints and have refused to close and purge my Discover account. On XX/XX/18 XXXX XXXX  I called to cancel my Discover after never resolving issues on my account and getting incompetent lip service from corporate employees. XX/XX/18 XXXX XXXX XXXX in XXXX claimed my account was closed and was clueless when the account would be purged. I finally dig deeper and found that Discover employees had entered incorrect information into my account to further delay closing the account and perhaps damage my credit rating. Here '' s what is entered on my account center : " You've previously initiated a credit bureau fraud alert on this account. If you'd like to make an update to your account, '' Let us make sure we all understand the English language fully and clearly ... I wanted my card cancelled and my account closed. Discover employees refused!!!!!!!!!!!!!!!!! I can only conclude that this is Discover Card 's way of retaliating for my prior CFPB complaints.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

SunTrust is consolidating to Truist. In the process they have cut off my online access to my account, they have canceled my debit card without giving me access to a new account, I can not update my username or password and they have a 60-minute wait for customer service. This merger has been in the works for a year yet the rollout is a joke. Who is overseeing this process and is responsible for ensuring that customers have access to their money?
Consumer complaint received 2022-02-23
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. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request.

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request.

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I have been having problems with chase receiving my mortgage checks by mail. in the past three years, chase has not received about 4 or 5 checks that was sent to them in the mail. The first time this happened i put a stop payment on the check. Then, this problem happened more frequently and i refused to make a stop payment on someone else 's incompetence. So, recently i switched to automatic payment. I went to chase bank in XXXX XXXX on XXXX XXXX, New York to switch to automatic payment. I have never seen such terrible customer Service. The women that worked behind the desk was more in the hurry to go home instead of trying to resolve my issues with the mortgage. After signing the automatic payment sheet she produced, the automatic payment was never received and they charged me a late fee. I went to the bank and told them what happened and another person helped me. The bank attendant told me they never faxed it, and they made the payment there at the bank. Then, a week later i get a statement from my personal bank stating that i payed the mortgage twice. How can a check be deposited to a bank after claiming that they never received it a month later. I feel i am being scammed by chase bank for additional fees.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (NJ)

This is an update to my complaint that was filed on XX/XX/XXXX. Upon learning of this debt from a bank levy, I have contacted the company numerous times and also the court officer who advise me to contact the debt collection agency. My bank account was garnished for the total amount of the debt from 2 separate bank accounts ( TWICE ). I have contacted the company to validate the debt which was from XX/XX/XXXX. They only told me I was notified and " they attempted to call '' but when asked what number did they try to contact me, they responded " they called. I was never notified of this judgement from XX/XX/XXXX properly and can prove my addresses over the years. The money that was levied was also funds that I received for my daughter from Social Security. I was told from a representative from the company to provided bank statements, proof of the social security funds and then I was told to disregard sending in the information and to call back later in the week. I only have a docket # XXXX XXXXXXXX XXXX. This account was not handled properly and I want them to release the funds that was improperly took from BOTH accounts. The count officer suggest that I follow up with the courts to have the money release. I'm sure the company can see that they took the money from two different accounts. Please prove that I was notified of this judgement, because I can prove that I was not notified properly.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (NY)

For the past 48 hours Zelle has been rejecting every single law firm client of ours the ability to pay us as little as {$2500.00}. 

This is killing our business and jeopardizing our clients legal matters. 

Please investigate and advise.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Dear Sirs ; I have written a number of letters to Bull City Financial Solutions about this alleged debt. I have asked for information so that this debt can be validated. I only received one response, that did not validate the debt I finally sent the an open contract of " Estoppel by Silence '' this two was ignored. By law they have given up all claims related to this alleged debt. The company still has not responded to my letters.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've submitted multiple legal forms of tender to Capital One Auto Finance, they've been accepted, but not applied correctly at all. I've called to remedy this I've spoken to the President and Resolutions Manager and both indicate they hold Capital One Auto Finance local contract over federal UCC Law. Therefore they are attempting to violate my rights. They've indicated if I keep making legal payments they way I do they'll be forced to take action of their own ( illegal ). Also indicated they are getting other forms of legal tender and behaving they same way. They are in violation and I as a consumer and a sovereign citizen demand remedy and reparations henceforth and forthwith.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Resurgent has been sending me collection notices in the amount of {$1100.00} the collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.