davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (FL)

Please be advised this is my SECOND WRITTEN REQUEST 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 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous 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 with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}XXXX XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-24
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2018-05-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Law Office of J.A. Cambece (MA)

This should be considered a follow-up to Reference XXXX. Because J A Cambece took no additional action the case was dismissed. However, on XXXX-XXXX-2018 I received a call from their office attempting to collect on the debt regardless. I consider this to be a form of harassment and will seek any remedy available. The number shown on the caller ID was XXXX and the time was XXXXXX/XX/XXXX. Thank you for your assistance. 

XXXX XXXX Consumer
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, account name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I was charged two overdraft fees. However, when i look at my account balance online and transactions, it looks like the negative balance comes on after the two fees are applied. When i spoke with them on XX/XX/XXXX, they would only reverse one of the two fees. However, it seems like they are using a deceptive practice to determine which transactions hit the account first so they can charge more fees.
Consumer complaint received 2017-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

I wrote a validation of debt to company. Sent certified mail on XXXX/XXXX/XXXX. Debt Recovery Systems received certified mail on XXXX/XXXX/XXXX @ XXXX. Failed to receive validation of debt from said company. Debt Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX  they said that I owe them {$59.00} because I'm late on my service but I have never had service with them. I already made a dispute with the credit bureaus and I talked to I.C. SYSTEM and they said they cant solve anything for me because their system says I owe them and thats final.
Consumer complaint received 2018-11-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Immediate Credit Recovery (TX)

I received a call on XX/XX/XXXX from a XXXX XXXX from Immediate Credit Recovery trying to collect on a student loan that was from early XXXX 's that was listed on a chapter XXXX bankruptcy and was discharged XXXX, before the laws changed on ed loans, this has already been taken off my credit, this file has been sold several times so XXXX XXXX @ Immediate Credit Recovery, i advised him of the chapter XXXX and was discharged and he shall not contact me again and close out that account due to the bankruptcy. i received another call today XX/XX/XXXX from XXXX @ Immediate Credit Recovery regarding the same account, i advise him that this is the second call from their agency and was told to not contact me again due to the chapter XXXX bankruptcy, he wants to argue that this is owing and is on my credit, when it was already removed and needs to be removed asap.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (IA)

In or around XXXX of 2021, I had an account show up on my credit report from a company by the name of Spring Oaks Capital. I immediately got a phone number and reached out to this company because i did not have any accounts that should have been in collections. The company refused to speak with me stating that I could not and did not give correct verification information to them for the account that I was speaking of. Throughout the next several months, I disputed this account with the credit bureaus and with the company to no avail. XXXX would not properly investigate the dispute properly because they would close said dispute stating information was verified as accurate. I sent XXXX dispute letters via certified US Mail to Spring Oaks Capital demanding that they produce proof of the debt belonging to me. To date, after several phone calls and them acknowledging that they received my dispute, they have still yet to remove this information from my credit report. They have violated several rules of the Fair credit reporting act and have failed to produce the information requested. I do have similarities of the person in which the debt belongs to, however ; ALL of the information does NOT match mine and this debt DOES NOT BELONG TO ME!
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


I C SYSTEM INC {$820.00} XX/XX/2018 XXXX
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

on XXXX XXXX a charge to my account without my authorization was made by XXXX XXXX, when contacting my bank they refused to allow me to dispute the debt. I bank with Chase located at : XXXX XXXX XXXX XXXX CA ph XXXX XXXX XXXX. The Chase account was not used as security for XXXX and they claim they know that I have signed an agreement with XXXX that allows them to charge any card on file with or without my authorization. They refused to open up a claim unless I closed my account which would result in several bank charges for pending bill payments. XXXX has a pending claim with you now and there was no way to add Chase to the complaint. Chase was notified once the charges went from pending to paid and the representative refused to allow me the right to dispute the charges because he felt they were owed.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XXXX XX/XX/2022, I deposited a check of {$4000.00}. 
XXXX  morning, XX/XX/2022, I received a email saying I had ending balance of XXXX for the tansactions I had pending and a negative balance of {$210.00}. So I transferred {$250.00} from my saving account to cover the pending transactions. 
With Wells fargo if I have XXXX balance and I am using my card on purchases the pending transactions will still bring my balance down as I use it. Even if it has not been posted the balance comes down. 
So today when my check cleared it should have a available balance of XXXX, but to my surprise, my balance is only {$3400.00}. 
I called wells fargo to see what was going on and no one there seems to be able to help me with my account. All they say is ok. Its not ok. Where is the rest of my money. 
They said I had transactions that had not been posted. But those transactions have already came down on my previous balance. 


On another note, I know they are still XXXX people. I closed a account over XXXX years ago and I received a check from them for {$19.00} for over charges. Thats what the letter said, but in reality how do I really know what they are stealing from me.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XXXX XXXX XXXX I closed a loan for {$200000.00} with PennyMac on XXXX XXXX. 

Today I spoke with five persons at PennyMac in an attempt to obtain information about the disbursements of funds to pay off debt from my loan with PennyMac. 
None of the representatives that I spoke with were able to provide the information. Ispoke with was XXXX XXXX XXXX XXXX XXXX. I requested to speak with his manager but was left on hold for several minutes. The call ended without anyone returning. XXXX called back. But again, the call was left on hold for XXXX minutes until XXXX came on the call. XXXX indicated that she would escalate the request. Instead, she transferred the call to a loan processor named XXXX. The call later disconnected while speaking with XXXX. XXXX never called back. 

The loan had a disbursement date of XX/XX/2022. The payoff of {$120000.00} in debt to creditors has not occurred and PennyMac has not provided any information about when the payoffs will happen.
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (FL)

I was a less than 60days behind, told the lender of issue due to being let go from employer and was making payments to get ahead. the day before they repo car, I made a payment online. Went to go work and car was taken. Lender required the XXXX payments in order to get the car back. Tried speaking with Lender Rep Supervisor advising i wasnt even 60 days past due. They would not listen, so i had to borrower money to get the car back and now paying back high interest loan for this.
Consumer complaint received 2022-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with a Fair credit reporting act [ CAPITAL ONE ACCOUNT # XXXX has violated my rights. THIS HAPPENED IN THE MONTHS OF 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 has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

XXXX XXXX and XXXX XXXX have sent Carrington Mortgage multiple different mortgage modification packets. They continue to claim they don't receive the right information. XXXX has kept thorough records of everything that has been sent numerous times. 

The latest letter is dated XX/XX/19 and is asking for more documentation to be sent by XX/XX/19. This is humanly impossible. 

The sherriff 's sales is set for XX/XX/19 and they can not trust that Carrington Mortgage is going to try to work with them due to the multiple times of sending informaiton, not having a single point of contact, and no options. 

XXXX and XXXX 's original mortgage was with XXXX XXXX XXXX which was later sold to Carrington Mortgage. 

XXXX and XXXX can now afford the mortgage payment if Carrington will agree to a special modification of putting the past due on the back of the loan and setting up a new payment arrangement. 

The approx. value of the house is {$160000.00} and they owe approx. {$120000.00} due to the very large down payment they made originally. It is a FHA loan. 

Please help us to get Carrington Mortgage to provide a fair and equitable service. 

Thank you in advance for helping us.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have notified Experian multiple times of these unauthorized inquiries, and they still remain on my report. Experian refuses to comply with the FCRA and remove these UNAUTHORIZED inquiries on my report. 

PLEASE SEE ATTACHED!!!
Consumer complaint received 2022-07-12
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. (TX)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

Paid a deposit fee of {$50.00} using zelle ... to a XXXX XXXX, email address : XXXX For a XXXX puppy he promised me. 
The agreement was {$50.00} deposit and I was to pay the additional {$250.00} when we meet for the exchange. He quit responding after the 50 was sent
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

The entity XXXX is reporting a XXXX score for me that reflects adverse action for XXXX student loans for XXXX XXXX XXXX These loans were paid off, XXXX in XXXX, and the other in XXXX. I contacted ECSI the company that serviced the loans. On the first contact call a representative pulled up my account right away. She advised that they had not reported anything on these loans in a few years. XXXX uses XXXX and XXXX. I contacted XXXX after launching an investigation that closed out without there being any changes from them as far as removing the derogatory comment effecting my credit score. XXXX shows the accounts as closed and in good standing. XXXX XX/XX/XXXX, I contacted ECSI again with the intent to request that they have XXXX and any of the other Credit Reporting Bureaus delete those student loan accounts from my reports. This time I was given a major XXXX runaround, and put on exorbitant hold times while being told that no loan accounts could be found for myself, or my school, XXXX XXXX XXXX This was just the week following that of which my account was found without any problems.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

On XXXX XXXX I submitted an email to the company to correct my taxes reflected on the website and complete a new escrow. 

Email included the following : Our taxes recently changed and we also have an homestead exception. Would like to see if there can be another escrow analysis performed since our tax numbers for 2022 have changed. 

After protesting our taxes and homestead exception our taxes have changed. 
Taxes for 2022. 

As of XXXX XXXX nothing has been changed. I sent an email on XXXX XXXX and secure message on XXXX XXXX. My payment is due on XX/XX/2022 and I dont want to keep overpaying on my mortgage payment for escrow. 

We have a VA home loan and my husband is a military veteran.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct the late open accounts listed on my credit file. Despite multiple communications and assurances from your company, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

The presence of late open accounts on my credit report is highly detrimental, as it inaccurately portrays my financial history and poses significant obstacles to accessing credit and financial opportunities. Despite my diligent efforts to rectify these inaccuracies, the problem persists, causing undue stress and frustration. 

I have made numerous attempts to contact your company to address this issue, providing all necessary documentation and information to support the correction of these inaccuracies. However, the lack of progress in resolving this matter is deeply concerning and reflects poorly on your company 's commitment to customer satisfaction and integrity. 

I demand immediate action to correct the late open accounts on my credit file and ensure that my credit report accurately reflects my financial history. Additionally, I request compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. 

I expect a prompt response detailing the steps you will take to rectify this matter, along with a timeline for resolution. Furthermore, I request regular updates on the progress made towards correcting these inaccuracies and restoring my credit file to its accurate state. 

Failure to address this issue promptly will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to resolve it expeditiously. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (RI)

I am natural person I am living I have right under 15USC 1681.

TransUnion is govern 15USC 1681 .And they violated my rights numerous of times.I demand this account listed below be remove because According to 15USC 1681 : I have the righ to privacy and I did not give TransUnion permission to furnish these account : XXXX XXXX account number XXXX balance {$3600.00}