davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

I never applied for citi account ending in XXXX under my name and I never wrote checks and no funds was withdrawn at all and I put in a fraudulent dispute with citi and within days the claim was denied and I never lived at XXXX XXXX XXXX and I have my ID to prove that and someone stolen my identity and opened up checking account and I never applied for this fraudulent account and it was reported to XXXX under a different address in XXXX and I live at XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX and was in XXXX  for three years in the years of XXXX and XXXX and I would like this case to reopen
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (IL)

This company is attempting to collect a debt that is not legally mine. I have no knowledge of this company and have never done business with them, nor signed any contract. Previous written request to validate debt have been unsuccessful and they refuse to provide information of original creditor, per FDCPA regulations. I demand this collection company is removed from my personal credit report.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 )  bureaus to resolve this issue, however I have been unsuccessful.
Consumer complaint received 2022-07-06
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: HILLTOP HOLDINGS, INC (IL)

There are 2 late payments on my XXXX  credit report from Primelending in which I have submitted an email from the rep for the XX/XX/XXXX late payment was not late and this is still coming back as verified and not removed. The late payment in XXXX of XXXX I submitted the proof that I was in loan modification with the end date being XX/XX/XXXX with instructions to make a XXXX payment to a different servicer once modification was approved which I did immediately after receivng the letter but I also did not get the letter until XXXX so I had to make XXXX and XXXX at the same time
Consumer complaint received 2022-07-06
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)

From XX/XX/21 contacted the furnisher and TransUnion via telephone, email and certifiedd letter. Multiple attempts have been made regarding the correction, verification of information for XXXX XXXX, First issue, payment history disputed, trans union kept telling me that the information is correct and that XXXX, the furnisher verified as accurate. In an effort to get the correct information regarding the charge off amount, payment history 1st delinquent date and charge off dates, I contacted the furnisher directly via telephone, via cert mail and via CFPB complained already closed but attachments included will show the company response. I went ahed and responded to the furnisher directly because you closed out the previous complained as resolved. TransUnion deleted the information disputed instead of conducting a full re-investigation, attachment below of the results. Yesterday, I called TransUnion directly and asked them why do you keep reporting X in the payment history and the rep replied because the furnisher does not and we have to report X because the furnisher has no knowledge. I am filing this complaint seeking the enforcement of complete, accurate and verifiable information reported in my consumer report. The lack of cooperation from the furnisher only shows violation of policy, adjusting the delinquency and re-aging the status of the account. Furthermore, the balance due at the time of the first delinquency was around {$110.00} but we have a charge off amount of {$640.00} Furnisher is reporting false payment history and attempting to re-age account with the intent to continue to add unnow fees beyond the time allowed by law, the fees are in excess for example if a payment due is {$8.00} and consumer fails to make the payment, the late fee is 2-3x higher per violation vs the min payment due. Tranunion does not want to loose the business or the account and is not enforcing the furnisher agreement instead they are just omitting, deleting and not abiding by the laws of FCRA.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (VA)

A subject in California has assumed my ID. He has gotten into my XXXX  XXXX, American Express, XXXX, XXXX XXXX  credit card accounts. As well as my XXXX XXXX  checking account. He got into my XXXX Credit bureau. Unlocked my freeze. Applied for accounts then re-locked it. 
He has continued to access my online accounts. Cancel cards and have them re-issued to his address in California. 
Our computers have been scrubbed. A virus monitoring service has been hired. Anti virus programs have been installed. All user ID and passwords have been changed. 
The subject still manages to bypass all bank security measures we have in place and access the accounts due to the info gleaned from my credit report. I also have a ID theft Monitoring Service.

I have filed a report with my local Sheriff 's Department. They have not made any headway on this subject. 
I do have the Name, address, phone number, e-mail address the subject is using. 
I am out of ideas where to turn with this subject.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC (TX)

Sent a certified letter to XXXX XXXX XXXX on XXXX XXXX received no response. I called to check the status and they told me that it had been transferred to there sister company Law office of brett m. borland. Later I received a letter regarding the debt from Law office of brett m. borland, p.c., I mailed a validation letter XX/XX/XXXX. I called an spoke with Mr.XXXX  XXXX on XX/XX/XXXX and emailed him @ XXXX a video/move-out notice and reason/medical paperwork. of the the unit on my move out along with a validation letter, and the move-out notice that was sent via email to the property. Also, informed him that the charges/false were unfair and that they needed to be corrected.. I received a response on XX/XX/XXXX with an invoice, ledger, move-out notice, lease, summary. Well the discrepancy is that the paperwork has false claims/charges. They said the video is not valid, and that I have to pay what is stated. Per the invoice they say there was no notice given which was was false I provided that on XX/XX/XXXX. I moved out the unit XX/XX/XXXX they had on the invoice XX/XX/XXXX which is false. I ask for proof when the unit was re-leased as to I will not be paying for an occupied unit.They have different lease end dates. They are trying to charge to clean the carpet which is illegal. I asked for physical proof of removal of the alleged trash they so called removed.Overall the unit had normal wear and tear, and the charges are unfair and they falsifying information. I have called XXXX XXXX at XXXX which is the property mgmt company.
Consumer complaint received 2023-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-04-15
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: Experian Information Solutions Inc. (ND)

Experian is in violating of the law. Experian is committing identity theft, they do not have my consent to report the account and addresses below. 

Experian is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding deletions of the unauthorized account, addresses and inquiries listed below on my experian consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/18 I deposited a check into my Chase Checking account. 
This check is from my insurance company XXXX XXXX for {$10000.00}. This is being used for my home to which was destroyed by a tree falling on it. 
When I deposited the check, Chase informed me they are holding it and it can not be cashed right away. 
I am disappointed being Im a long time chase customer and its an emergency. The check is also a Chase Check, so I should be able to get the funds immediately after depositing considering its coming from their account.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I notice a problem with false information being reported on my credit profile. 
I wrote dispute letters to XXXX, Equifax, and XXXX. Asking them to investigate the following account and validate the collection account XXXX XXXX. On XXXX. Its has been over 60 days with no update, I sent out a 30 day demand to comply request / letter on XXXX by certified mail. 
XXXX received the letter on XXXX at XXXX, Tracking # - XXXX Equifax received the letter on XXXX at XXXX, Tracking # - XXXX XXXX received the letter on XXXX at XXXX Tracking # - XXXX Per XXXX they removed the account. I followed up with Equifax on XXXX they confirmed they removed the account confirmation # XXXX. I called Equifax on XXXX to request proof of deletion, I explained to them I still have yet to receive anything from them verifying the account or investigation results. I was disconnected on three times no one has yet provided an update as to what was going on, and explain why Equifax is still reporting false information on my credit report. XXXX is also claiming they never received anything. I also sent XXXXXXXX XXXX  a debt validation request it has been over 30 days I still did not receive anything from them. Letter was sent on XXXX by certified mail they received it on XXXX at XXXX Tracking # - XXXX.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NC)

I sent many letters of debt validation stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements with incorrect amounts which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be an open-end credit plan pursuant to 15 USC 1602j. With Wells Fargo not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating other numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (WA)

Capital Accounts is trying to collect {$89.00}. This amount was paid thru XXXX XXXX on XX/XX/20. I called and verified with XXXXXXXX XXXX and they stated that they only use XXXX XXXX they do not use any other collections. I called XXXX and they verified payment received on XX/XX/20
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Our loan changed hands multiple times before our first payment was due. We have a loan with this company since the end of last year. The last six months we have spent filing letters on the website emailing and calling multiple departments as well as filing official complaints to the company in writing. This place appears to be a call center for a collection agency with no opportunity to go into a local branch and go over specifics of the loan as well as expectations. Each attempt at communication ends with a promise of resolution with no follow up and you can only escalate your issues to their own department supervisors which are not able to assist and have no authority to aid in your situation. All complaints are to be filed in writing and in my experience are not followed up to or responded. We always over pay our escrow and principal for the mortgage on time. We communicated everything upfront as we awaited our supplemental tax bill and over paid escrow while waiting. They incorrectly informed us of proper procedure requirements on multiple occasions. Our supplemental tax bill is due in 10 days the money is intentionally in our escrow account to pay it and they are refusing to issue the money to the assessor or return it to us in time to pay it. Although we have been in communications with them since last XXXX regarding this very item and even personally at the leading of a customer service rep called the assessors office on XXXX way to confirm the supplemental bill and they " noted '' the system. In an effort to be a responsible lender we have done all we were asked and gone over and above all that is asked of us and have nothing but unprofessional non accountable individuals working with and servicing our home. Who will hold this company accountable for unfair practices and poor service and zero soft skills with clients that did not choose to be their clients. I have never been insulted and interrupted talked down to with no end in sight by anytime especially not over a half a million dollar loan. I would never have selected a lender with such poor ethics as a collection agency to do this with us. Someone needs to remove this company from this industry and pull accounts such as ours and give them to other mortgage servicing companies.
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-15
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. (CA)

Recently I noticed an account being reported that was not authorized on all three bureaus. I contacted the three main reporting agencies and requested this account be removed or verifiable proof used to validate the debt and and the data reporting. XXXX removed the account but never provided the inaccurate information to the other bureaus as required under the FCRA. I submitted the investigation results to Transunion and XXXX that XXXX showed removed from my credit file. Unfortunately they have yet to remove or provide any debt validation or method of verification used to verify the account in question.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (MD)

I checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I had a {$1100.00} upcoming credit card bill due on XX/XX/22. I being a responsible person paid this bill early on XX/XX/22 with payment being made in full. I had automatic bill pay on this account which pays the statement balance on its due date which is the XXXX of every month. Since I made an early payment the statement balance should have been {$0.00} but instead BoA charged my account again for {$1100.00} which my account did not have. On XX/XX/22 BoA alerted me that I had a " returned payment unpaid '' and now indicates I never paid my last months balance even though I did. The system is confused that I made an early pament and then my automatic payment failed and thus indicates no payment was ever made even though the money was taken out of my account. I called and attempted to speak with represenative but after an hour nobody picked up.