davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

XX/XX/XXXX - Received a collection notice from Jefferson Capital for XXXX XXXX debt in the amount of {$1400.00}. 
XX/XX/XXXX - Responded via a letter sent Certified Return Receipt through US Postal Service. 
Requested amount of alleged debt including an explanation of any interest charges and additional fees ; full name and mailing address of the original creditor ; documentation showing Jefferson Capital verified I am responsible for this debt or copy of the judgment ; names of all persons and entities that have purchased said debt ; and documentation showing they are licensed to collect debts in California. 

Also notified Jefferson Capital since I responded in writing within 30 days of being notified about said debt, they must cease attempts to collect said debt until AFTER they have provided the requested information. Continued efforts to collect said debt without first providing written verification is in violation of the Fair Debt Collection Practices Act. 

XX/XX/XXXX - Received notification of Payment Offers outlining ( 3 ) payment plans. The notification states offers to expire on XX/XX/XXXX. As of XX/XX/XXXX, NO INFORMATION has been received by me as requested through certified mail.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Tenant Data Services Inc (NE)

My application for an apartment was denied today because tenant data reported my credit score wrong. I have been working on my credit all year and all 3 of my scores are above XXXX. I was denied because I didnt meet the XXXX or over my credit score came up at a XXXX. When is this data updated?? I have worked my behind off all year to grow my credit score and with 3.5 weeks to spare, my children and I could be XXXX  because of outdated information. I would have never applied if I was worried about that being the factor that wouldnt get us into our new home.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

I requested XXXX update my credit report information regarding obsolete information such as old addresses ; however, they have not removed the obsolete addresses pertaining to my information. I have had identity fraud and requested this to be updated. They have not completed this request.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

I was working with my old mortgage company XXXX on a loan modification. The file was complete. They decided to transfer the loan to Fay Servicing on XX/XX/XXXX but the sale date was XX/XX/XXXX. XXXX told me they will stop my review because the loan was being transferred even though the file was complete and I had to work with the new servicing company. Fay servicing is stating they will not review my file because the sale date is within 37 days. It is beyond unfair to me that the loan was transferred within 37 days of my sale date which is blocking me from having the bank review my file. Fay also stated even if XXXX sent them the full modification file they would not use it because they have their own forms so I had no chance of a review because Fay took over the loan 30 days before the currently sale date.
Consumer complaint received 2022-05-19
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. (SC)

In accordance with the Fair Credit Reporting Act. Equifax Information Services, LLC has violated my rights by furnishing these inaccurate and fraudulent accounts below. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A. section 2. it also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681 B. Permissible Purpose. The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and the summary of consumer rights required by Section 609 of the FCRA. ( The summary of consumer rights will be provided by the CRA that conducts the investigation. ) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below. 
Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation. This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.
Consumer complaint received 2022-05-19
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. (VA)

I been trying to get this issue corrected for 3 years now. XXXX Experian and XXXX has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all 3 bureaus don't match either.
Consumer complaint received 2020-02-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

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. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2023-06-22
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. (DE)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt Vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

TRANSUNION, XXXX, XXXX
Consumer complaint received 2020-02-26
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)

I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and Equifax that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from Equifax and they do are not apart of the resolution.

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



.
Consumer complaint received 2020-02-26
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. (CA)

I was going over my credit report and noticed 4 unauthorized inquiries on my XXXX, and Equifax credit report XX/XX/18, XX/XX/18. I did not, nor have I ever applied for a line of credit with XXXX XXXX XXXX.
Consumer complaint received 2022-12-16
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. (OH)

Upon checking my credit report, I have noticed some on unauthorized & unverified items. According to the FCR a legally, these items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
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: CITIBANK, N.A. (FL)

I have spent XXXX $ already trying to resolve a billing dispute of XXXX $ that was resolved on both ends but not honored. I sent certified mail for a billing dispute through Macys fraud form which there support sent me, and was told thats not the correct way to report what happened then had to send proof that they did not send me the billing adjustment through a fax it is now close to three months later no dispute resolved. The fax i sent all the way from XX/XX/XXXX, and certified mail XX/XX/XXXX. This issue was addressed repeatedly with Macys credit card department all the way since XXXX
Consumer complaint received 2019-07-19
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. (NC)

Dear CFBP I am filing a complaint against Experian for failing to conduct a proper investigation for XXXX   XXXX Account Number XXXX. I have sent multiple letters about the blatant errors this account is reporting. I sent a final letter very specifically detailing the errors contained in their reporting complete with credit reports showing the account reported differently on other bureaus. I got notification that they had completed the investigation today so I pulled my Experian report. Unfortunately, they did not follow the requirements of the Fair Credit Reporting Act ( FCRA ) as the status of the information shows it hasnt been updated since XX/XX/2019. So how can they say an investigation was done in XXXX? They also did not address any of the errors I pointed out or provide any documentation. I am requesting that you compel Experian to delete this account from my Experian report as it clearly does not meet the requirements of the FCRA of being accurate and consistent and they have not met their legal obligations. 


Thanks for you help in this matter, XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an Amex Gift Card as a gift. I confirmed the balance of {$300.00} using the AmexGiftCard.com/Balance website, which showed an available balance of {$300.00}. I attempted to use the card on XXXX for exactly the face value of the card. I received an email stating the transaction was declined. XXXX requested re-entry of the card numbers, which I provided, and it was again declined. A third time, re-entered the card details, and declined again. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (UT)

NCB Management services have claimed that I owe a debt to them, I have asked several times for them to provide documentation with My signature on it to prove that I owe said debt, they have not provided any documentation at all, I have requested multiple times for NCB Management Services to remove the collection from My credit reports, they have not, I have requested when the debt supposedly occurred and they have not provided that information either.
Consumer complaint received 2022-12-20
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. (IN)

In accordance with the fair credit Reporting Act Experian, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-29
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. (UT)

I have sent multiple requests to have the negative items removed from my credit report. As of today I havent received a proper resolution and negative items are still showing. This situation has been impacting my finances in a negative way.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

I applied for a Citi XXXX credit card and my application was denied. I was given some nebulous reason about there being a fraud alert on my credit report. I had removed the freeze on my credit file BEFORE applying for the card, which is how citi was able to access my credit file in the first place so I have no idea what they are talking about. There are no other credit alerts on my file.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Since XX/XX/XXXX, I have tried to get my loan servicer, that acquired my mortgage, to correct billing errors with escrow. Also since trying to get this corrected since XX/XX/XXXX, I have not received any monthly bill to pay my mortgage for the last three months. I have tried many phone calls since XX/XX/XXXX, faxes, and certifies mail. As of todays date XX/XX/XXXX, I have not been able to get any billing errors corrected and no monthly billing statements for the last three months. So I have no information that the money that I have sent in the past three months fulfilling my part of mortgage agreement has been applied to principle and interest for example. To add injury to insult I found the company had placed a late charge against my account which I forced them to remove and they admitted it was wrong. This poor performing mortgage servicer company is : LOANCARE Of Virginia. 

This brings to mind the Consumer Finance Capital Protection Bureau XX/XX/XXXX law which requires loan servicer to provide me by contract every thirty days a billing statement that is correct and shows past payments properly applied also this company has not acknowledge my written complaints with in five days time being submitted, and to be resolved with in thirty days time.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (LA)

I had two account with chase one was saving and checking accounts. I had zero dollars on my checking account but had money on my saving account. My overdraft protection was off. Which mean Any transaction I made off my checking were to be declined. Since I made a purchase the card didnt decline I thought they were taking the money out of my saving accounts. It wasnt till my checking account was overdrawn by XXXX dollars they notified me I had an overdraft. They never took the money off my saving account to cover my overdraft transaction even though it was off on my checking account. I called to close the account. They never did and kept letting charges go through. They wont stop harassing me. They vandalized my car. Wont stop following me. Asking people for my personal information. Hacking into my XXXX accounts. XXXX accounts, emails monitoring and monitoring my messages without consent.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (OH)

This past year I had to claim bankruptcy so I went on Credit Karma to see what secured credit cards they suggested. I got a card with XXXX XXXXXX/XX/XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on Credit Karma I seen my score DROPPED 103 POINTS! I was so upset I logged on to XXXX XXXX XX/XX/XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XX/XX/XXXXand they ( XXXX XXXX ) referred me to you. I have my bank statements to prove XXXX XXXX is lying and taking advantage of people I low places that are trying to get their lives together and start over. XXXX XXXX XX/XX/XXXX is in the the business of making money off of low income people. I also believe that credit Karma is responsible also, and should also be held accountable.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

My complaint is for XXXX and USAA bank. 
On XXXX XXXX XXXX. I called my bank immediately after sending a zelle payment to someone who said that they never received the payment for goods to be received later on that day. 
USAA stated that they would investigate and sent me a letter stating that the persons bank has declined to send back the payment and XXXX hasnt responded. 
The person the money was sent to, was supposedly a trusted friend of a coworker. After sending the funds the person said that they never received the money because the email address was off by 1 letter. The person would not give a new email address and stoped all communication with coworker. Clearly this person is committing fraud and that persons bank account has to be receiving several requests for refunds or reversals concerning this persons account and just ignoring that it is happening. As of today I am out of {$150.00}. with no response from XXXX.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX PL XXXX XXXX, NC XXXX ; XXXX XXXX PL XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.