davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME/ORIGINAL CREDITOR : XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE XXXX, REPORTING ON XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX  XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ONLY ON XXXX  AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX., ACCT # : XXXX REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, ONLY REPORTING ON XXXX AND XXXX.. ACCOUNT NAME : USAA FEDERAL SAVINGS B, ACCT # : XXXX, REPORTING ON XXXX, XXXX AND XXXX   REPORTING XXXX : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX  AND XXXX ACCOUNT NAME : XXXX XXXX XXXX : ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. 

FOR INQUIRIES, THE FOLLOWING ARE THE REMAINING INQ 'S WHICH ARE REALLY OBSTRUCTING ME : XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX/XXXX- DATE OF INQ : XX/XX/XXXX XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX XXXX XXXX- DATE OF INQ : XX/XX/XXXX. 
XXXX- DATE OF INQ : XX/XX/XXXX.
Consumer complaint received 2018-10-15
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. (MI)

Attached are three letters I sent CERTIFIED along with notarized statement proving I am who I say I am. You will see I cited FCRA law stating they have to keep a copy of the ORIGINAL creditors documentation on file to verify that the information they maintain under my name, in my file is mine and CORRECT ... .They respond " VERIFIED '' but they never send me specific information : who did they verify this with? name? contact info? ext number, etc. 

Furthermore, they NEVER provide me a copy of any ORIGINAL documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my legal signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they 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 for " negligent noncompliance '' ( section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Please review all three letters and their BEFORE/AFTER response. They have not done what has been asked of them They pencil whip me with little changes here and there with NO PROOF OF ORIGINAL DOCUMENT AND LEGAL SIGNATURE. Anyone can apply for credit online without signing my legal name. If it doesn't have my legal signature it is not my account. 



I demand, under my FCRA rights, that all accounts that can not be verified under the law, information provided to me rather than them just saying " VERIFIED '' the account be deleted immediately and a new credit report sent to me with my score. I have played their game long enough. 


Same is true of Hard Inquiries. They have no proof they were made by me. Delete them immediately. I have contacted every company and they agree, " we have nothing on file and no account with us ''
Consumer complaint received 2018-10-15
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Performance SLC (MD)

I had got out of my contract with the company XXXX XXXX. I had asked for a refund through this company since all my payments were made to XXXX XXXX. Now Im being told i have to pay Performance SLc {$56.00} a month to pay off the {$1100.00} dollars then after i have to do the annual recertification by myself til my school loan is forgiven. I find it very funny that i was explained in full how the program works now that i had mentioned i would be getting a lawyer involved. When i initially signed up in 2017 i was told after the contract that my Loan was forgiven. I want out of my contract with everyone i do not need to pay anyone a service fee monthly for 21 months just so they can do a annual recertification 1 time a year. Not to mention the man i spoke to in account services was extremely rude he cut me off every chance he got. His response when i told him that it would of been cheaper for me to pay off my actual loan was thats right, but thats how this contract works. This is a complete rip off and i will be taking this further to the states attorneys office.
Consumer complaint received 2022-05-04
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. (PA)

I am writing to delete the following information and charges off my credit report. I ask that these fraudulent charges be removed from my file as soon as possible. I have already contacted the Federal Trade Commissions Identity Theft Affidavit so that these charges can be removed because it is hindering me.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

This company has misled you also. If you look the fraud affidavit submitted, you can clearly see it has Synchrony/G.E. They are a collection company for Synchrony, and they told a bold face lie. This is the same company that XXXX  slurs to me. This is the same company that caused me to lose my V.A. Loan. They are liars.That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX  on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran and this XXXX XXXX XXXX member. Please?
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CO)

On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different Best Buy stores in IL and SD. I live in Colorado and have never shopped at a Best Buy. The cards were issued by CBNA.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Sirs. My name is XXXX XXXX, Writing you a compaint on behalf of the company XXXX XXXX ( XXXX XXXX ), based in XXXX, XXXX XXXX. We are tourism company ( outbound touroperator ) sending tourists abroad, mostly to XXXX. Our web site is XXXX, we do our job since XXXX. 

The account of XXXX XXXX was opened and used for money transfering in XXXX Bank XXXX XXXX of XX/XX/XXXX weve sent from the account of our company XXXX XXXX in XXXX XXXX ( XXXX ) the amount of XXXX XXXX dollars ( XXXX ) to our partner XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) with a payment for hotel accomodation. XXXX XXXX is JP Morgan Bank ( XXXX ). At the XXXX of XXXX this payment was rejected by XXXX Bank and since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests After XXXX of XX/XX/XXXX XXXX Bank became useless, be cause it got in Sanction List of USA. 
Weve opened account in XXXXXXXX XXXX  to continue our operatinal activity and decided to send summ of US dollars to our new account XXXX XXXX  ( transfer of own funds ) XXXX of XX/XX/XXXX XXXX sent from the account of our company XXXX XXXX in XXXXXXXX XXXX XXXX  XXXX ) the amount of XXXX US dollars ( XXXX ) to our companys XXXX XXXX new account in XXXX XXXX XXXX  XXXX ) - TRANSFER OF OWN FUNDS. XXXX XXXX is JP Morgan Bank ( XXXX ). Since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents also you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests Dear Sirs we are kindly ask you to assist in the refund of funds and influence the bank with refund of our funds or to provide exact information of blocking the funds, so we can aply for XXXX license. We are ready to provide different bank accoount ( ex. XXXX XXXX ) to transfer blocked amounts to a Bank, which is not in sanction list of US or XXXX. We guarantee, that our company XXXX XXXX is not in a sanction list of any country and not connected in any way or any type with crimea, XXXX XXXX or any similar territory Thank you
Consumer complaint received 2022-06-12
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. (FL)

In accordance with Fair Credit Reporting XXXX XXXX account number beginning in XXXX, have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (VA)

CBE group added something to my credit when we already had a payment plan setup an they never once told me that i had to pay it by a certain date then soon as i got down to my last payment they put that on my credit report as a collection after its been paid in full ... i never miss a payment or nothing so i dont understand why they did that to me when Im trying to keep a good credit report
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC. (TN)

I opened a case a month ago indicating that incorrect information was being reported to all three credit reporting agencies from this company. After pulling all three of my reports this still has not been corrected and I have been provided with nothing to support the information they are reporting is correct or that this problem has been resolved. I have opened a case with the TN state attorney general office as it relates to this issue. Since it appears that opening a complaint in this forum has not prompted the company to correct the inaccurate information being reported to XXXX, XXXX and XXXX. I hope the State attorney general office will enlighten them to correct the issues.
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

Three letters sent by fax and USPS to Franklin Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and XXXX and the account is still being reported as of XX/XX/XXXX. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I tried to unfreeze my credit report with Experian on line. The only way I was allowed to do it was to write in. I have a home equity loan pending and they are waiting for Experian to respond to my written request. I mailed in a written request to a Texas address a week ago. I have not gotten a notification that they received it or not. 

I tried finding a telephone number to contact them, to no avail. I tried again to reapply to unfreeze my account online. At the end of the form they told me I have to write in!!!!!
Consumer complaint received 2018-11-25
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$500.00} AMEX Gift Card from my company back in XXXX. It remained unopened in the AMEX gift card envelope until I tried to use it in person on XX/XX/XXXX and it was declined. 

I called AMEX Gift Card XXXX, XXXX on XX/XX/XXXX, spoke to a representative and found out that it was used on XX/XX/XXXX for {$490.00} via XXXX purchase. 

I called XXXX at XXXX and spoke to a representative who introduced herself as XXXX at XXXX XX/XX/XXXX. 

I explained that there was an unauthorized purchase made and I would like to have more information on it. 

She asked me that in order to proceed further I needed to get Charge ID # and description of purchase, and then call back to XXXX at the Charge Inquiry Dept to obtain more detailed information. 

I called the AMEX Gift Card line again and obtained the Charge ID #, but they did not have the description of the purchase. 

I called back XXXX XXXX at XXXX XX/XX/XXXX and spoke to XXXX , and again explained the unknown purchase using my Gift Card and gave the Charge ID #. 

XXXX then transferred me to another representative. When I inquired why she told me that " [ they ] can better assist you using the gift card number ''. 

At XXXX XXXX, I was transferred to an XXXX representative, XXXX, where I explained again the unknown purchase with the Charge ID #. She then said XXXX is unable to do anything about it nor give further information. She then offered to me that for further help, I can be transferred over to her Manager to which I agreed. 

I was then transferred to XXXX at XXXX, Leadership Dept. Supervisor who said " XXXX does not have any responsibility of how or where balance for purchasing goods comes from '', regardless of whether the balance for purchase was unauthorized or not. 

XXXX then told me to dispute the charge through the bank institution and relentlessly explained XXXX is not responsible about the purchase nor fraudulent card usage. She then hung up the phone on me at XXXX, XX/XX/XXXX. 

I called back to American Express Gift Card XXXX, at XXXX XXXX, XX/XX/XXXX answered by representative XXXX, and explained that according XXXX, American Express can help or dispute the charge. 

Unfortunately, he explained to me that gift cards are " treated the same way as cash so Amex can not nor will not dispute the charge ''. They can only make an internal reference note regarding this matter if I give my name, phone #, and address which I agreed to.
Consumer complaint received 2019-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

Ticket selling fraud, transaction cancelled by recipient yet transaction still went through. With no receiving of product or service implied with transaction. No course of action by police ( XXXX XXXX Police Department ) bank ( Chase ),  or money transfer service ( XXXX ).
Consumer complaint received 2019-03-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I sent four ( 4 ) certified mail notifications and two ( 2 ) emails notifying them the debt was not mine and was a result of identify theft. I sent in a sworn affidavit. I sent in the FTC Identity Theft affidavit. Despite all this, I continue to be harassed with calls stating the debt in mine ( despite the above documents AND the fact I lived in New York at the time ).
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

I sent a letter to XXXX XXXX requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I have no bidding contract with Midland XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX MIDLAND FUNDING XXXX Amount {$980.00}
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

Freedom Mortgage Paid my property taxes and also my father 's property taxes from my escrow. 
Property Taxes were due XX/XX/XXXX. My dad cant pay his because freedom mortgage has already paid them with my money. In XX/XX/XXXX i called freedom mortgage to fix this problem. They told me I need proper documentation. On XX/XX/XXXX, I faxed them the proper paperwork and a statement saying I wanted this fixed. I called them again They said it would be fixed before taxes were due. I checked my account and nothing was done. I called them back. They said that the other people i had talked to previously had done nothing, but he would make sure it was taken care of this time around XX/XX/XXXX. I get a letter stating my house payment is going up From {$530.00} to {$800.00} Because the escrow went up to Pay for Property taxes. It showed the projected property taxes for next year and my dad 's is still on there. I called them back on XX/XX/XXXX, they said the escalation team will take care of this. The " Escalation Team '' called me back on XX/XX/XXXX and said it looks like it didn't get taken care of by the projected date. If its not fixed by XX/XX/XXXX, My house payment will be almost too high for me. Freedom Mortgage is hurting not only me but my dad can't pay his taxes and will be charged late fees. 
My dad and I have the same first name, Different Middle Names, and Different addresses.

I called the tax office and they said freedom mortgage hasnt even begun to fix this problem or called them at all.
Consumer complaint received 2020-12-14
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 booked a flight on XXXX  XXXX  with a citibank credit card. The {$560.00} flight was XXXX to XXXX for XX/XX/2021. XXXX  cancelled the flight. They refused to refund the charge and only offered a voucher which I refused. 

I filed a complaint with citibank, escalated to the executive response unit. It has been months and they refuse to issue any credit to my account. They have stopped updating me with any information.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I deposited a cashiers check issued by XXXX XXXX XXXX in the amount of {$14000.00} into my checking account at the Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( receipt attached ). On XX/XX/2018, Chase Bank froze my account telling me that it was because the teller did not scan the check and they couldn't locate it at the branch. I could not access any of the funds in the account and was later able to transfer the other funds, not including the {$14000.00} into a new account with Chase Bank. To date I have still do not have access to the {$14000.00}. After repeated visits and phone calls with Chase the issue has not been resolved. The main contact with Chase has been XXXX XXXX, Vice President XXXX XXXX.