davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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: FactorTrust, Inc. (NV)

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Credit Inquiries Credit Inquiries - Summary XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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. (GA)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : USDOE/XXXXI : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

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 report agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (VT)

On XX/XX/22 we purchased XXXX Western Union money orders from XXXX in XXXX, OH. Then deposited them into our bank account. On XX/XX/22, XXXX of the money orders in the amount of {$1000.00} was returned by our bank. We redeposited the money order, for it to be returned again on XX/XX/22 with the return reason " refer to maker ''. We are unable to redeposit it again. 

We went to XXXX where the money order was purchased and was told we would need to contact Western Union directly. We attempted calling Western Union without success of reaching a person. On XX/XX/22, we submitted an on-line request to refund the money order, which could take up to 30 days. On XX/XX/22 we called Western Union and were finally able to reach a person. We asked about the status of the refund to be told that the money order had been cashed. We explained that we tried depositing it and it was returned to us by the bank. We were told a refund check would be sent to us by XX/XX/22. 

On XX/XX/22, we followed up to confirm a check was sent. We were told the same thing, that it was already cashed. We were spoke to a supervisor who asked for the bank letter that had previously been submitted to Western Union on-line, to be emailed to them for escalation. 

We were told it could take several business days before we will receive a response. Western Union has had the {$1000.00} for the past two months. We still do not have the {$1000.00} that my son needs for his college tuition. We need help resolving this issue and need that money immediately.
Consumer complaint received 2022-03-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NC)

I received a document from XXXX XXXX XXXX XXXX. They requested that I send information about whether or not I owe the debt. I submitted documents by mail on XX/XX/XXXX to request information about the debt. The deadline was XX/XX/XXXX, which was a Sunday I have not received any written information about the debt. Further, it states that Navient can not collect on the debt but they are trying to collect on the debt. This is concerning that this company is reaching out without having authority to collect anything. Further, it is not clear that the debt is even mine. I don't know if this belongs to me. The company 's name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-25
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. (GA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

On the XX/XX/22 there was an automatic payment placed on my savings account for the amount of {$270.00}. This is to cover or pay my credit card account with Wellsfargo. Later the payment was reversed to my credit card account stating that there were not enough funds on my savings account to cover the amount owened, the reversal took place on the XX/XX/22. However, on XX/XX/22 l made a payment of {$270.00} to my Wellsfargo credit account from my regular account to cover the reversed amount. It reflected on the account for a few days, that a payment was made to my credit card account, but on XX/XX/22 the amount of {$270.00} was back on my credit card account and the amount {$270.00} did not count toward paying the amount owned to the credit card account.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

My employer was notified about this, this year ( this is when I found out ). This is in regards to a credit card from XXXX XXXX  that I had in the early XX/XX/XXXX. This  debt was paid off. When I received the notification ( from my employer, XXXX XXXX ), I contacted a lawyer that advised me to go to the XXXX county court house and get a copy of the summons. Which I did. At which time I found out that they served my old place of residence, they served me at XXXX XXXX XXXX. I was no longer living there. I had not lived there in over 3 years. They never gave me an opportunity to defend myself at the time. 
After finding out about this " debt '' I went online to do some research and I was able to go to XXXX XXXX ( XXXX ) and I was able to log in just using the last four digits of my social security number. According to their website, I've made payments. I have NEVER made any payments to this company. When I paid off my credit card ( XX/XX/XXXX ) it was after XXXX XXXX XXXX took over for XXXX. My payment was made over the phone.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

I have been approved for the Florida Homeowners Assistance Fund program in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was told my payment was sent to Cross Country Mortgage on XX/XX/XXXX. I called Cross Country Mortgage today XX/XX/XXXX to inquire about the FHAF payment and was told that they had not received it. In XXXX the payment was posted to my account with Cross Country on XX/XX/XXXX and XXXX payment was posted on XX/XX/XXXX. If they received my payment from XXXX, then the payment needs to be applied before my grace period ending date of the XXXX. I do not want to be charged a late fee.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, 2018 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it may concern : As a longtime customer, I write with two complaints : Customer assistance connected me with a XXXX scam which may have compromised my computer. 

Customer service has no way to provide immediate feedback about my concerns. 

My customer record should show three calls to Capital One, two on XXXX XXXX and one today. 

While working with XXXX on XXXX XXXX, I had a problem with a XXXX/Capital One Authorization step. No one at Capital One has knowledge of this change although I reproduced it. After calling, I was transferred from Customer Service to Digital Support and ultimately told only XXXX could solve the problem. Because XXXX does not have Sunday support, I was surprised when the Digital Representative patched me through by phone. I therefore trusted the call. XXXX said an agent would call me back shortly. One did who wanted access to my computer which I granted, assuming this source was trusted. Eventually I was told I would need to pay for the problem. Since it was not a problem I had created, I suspected it was a scam and said so. The XXXX agent disconnected. 

I called Capital One to report the problem and again was transferred to a Digital Representative. There was no acknowledgement or ownership of the problem. We were disconnected, and I was too frustrated to call again after several hours on the phone with several people. I called back today. I went through the same process where a Customer Service Representative and Manager and the Digital Representative told me I could write this letter. 

I ask that Capital One assure me that Digital Representatives connect with only valid XXXX agents, and I ask that a more direct customer complaint process be put in place. 

I am sending a copy of this letter to my senator and to the Consumer Finance Protection Bureau.  Should you need to contact me, I can be reached at XXXX or by email at XXXX XXXX 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2018-08-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} ( XXXX XXXX XXXX XXXX dollars ) when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} ( XXXX XXXX XXXX XXXX dollars ). Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sirs, I really need you to help me in this matter with this bank of america with which you have been in possession of my money since XX/XX/18 I received as follows the images of the documents that sent me saying that my XXXX XXXX dollars positive now the bank tells me that I still have a negative balance at XXXX XXXX dollars, absurd!! 
I want to point out that the bank, when we open an account is to protect us, have the money protected against burglary robberies etc. and so the bank uses our money for other purposes by making profit in its operations to third parties. 
When you have a cloned card the bank returns the money used improperly because it is a problem in cloning the correct card!!! 
Now in my case the bank wants to take my money being that I used the bank system to receive money in my account, assets that I sold and what is worse I sold to different people and the bank is saying that the two operations were FRAUD, like if I made the receipts on the banking system of them, if this there was FRAUD the bank has to assume because the same received and confirmed in my current account, as in the example of the cloned card!! my case is worse than the example given of the cards, because I had my account besides my money stolen by the bank of america itself still left it negative!! I can not stay in the prejudice being cloned account of their clients or the system of the bank had flaws they are responsible yes and I want my money back. I ask you in this case to intervene against the bank of america to reverse this situation with which they put me without giving me documents that prove FRAUDE, even if there were the bank is responsible for the operation carried out in its banking system and not refrain from your system and tidying your way and throwing the problem to your accountant of one thing that did nothing wrong with any of your operations, for me, it makes clear the evidence of the facts to be two completely different and unfamiliar people and to handle everything as FRAUD!! so it leads me to believe that the problem is in your failing banking system and I can not be harmed and misled in this way.
Consumer complaint received 2018-08-20
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. (NJ)

XX/XX/XXXX XXXX i was inquired by XXXX XXXX i have no knowledge of this such actions and would like if they were taken off my credit report .... i called XXXX XXXX they looked under my credit report and couldn't find it also..
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX XXXX XXXX XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Consumer complaint received 2018-08-20
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. (GA)

In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated XXXX  since XX/XX/2018 ( see attached ) and Transunion since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

I applied for XXXX credit card online and was approved and given an account number however I received a letter in the mail stating they need more verification for the account that was approved I provided that verification fax my credit report shows it was checked by XXXX it shows I have an open account by XXXX  and after providing the verification requested they close the account which affects my credit report as well so my credit report was affected three times through a credit card application and XXXX refuses to do any repair basically they told me they made the mess and I have to clean it up.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (MO)

I called the company offered them {$300.00} which they denied to accept I than told them to verify the debt I want the original contract between both parties. All I received was an invoice which could be fraudulent someone using my name. I been informed the original company wrote it off which I assume took a tax break from it but now also want to collect for even more money!