davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (TX)

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three 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 investigations, 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. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2019-04-23
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. (AZ)

The following credit inquiries listed on my Trans Union credit reportn are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019 and XXXX, XX/XX/2019
Consumer complaint received 2022-01-09
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)

I am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Good morning, I recently transferred {$1000.00} from PayPal to my XX/XX/XXXX XX/XX/XXXX account ending in XXXX from a recent sale on XX/XX/XXXX transaction ID XXXX and transaction ID XXXX with the deposit arriving to my XX/XX/XXXX XX/XX/XXXX account the next day on XX/XX/XXXX. Five days later on Wednesday XXXX, PayPal reversed the funds without any notice. I first messaged XXXX XXXX  and they stated that the reversal was on Paypal 's end, so they are unable to do anything and recommended contacting Paypal. When I contacted Paypal multiple times from XXXX, they stated that the transfer was initial transfer was complete and that they have no record of the {$1000.00} reversal on their end. The {$1000.00} balance is also not reflected in my PayPal account. I am at a deficit of {$1000.00} due to PayPal 's mistake ; essentially, {$1000.00} was stolen from my bank account from them without any notice.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions. (FL)

repeat calls after I have asked not to call me anymore and asked not to call me during my work hours XXXX call log : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-07-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCollect (NC)

A debt validation letter sent certified XXXX/XXXX/16 signed for on XXXX/XXXX/16. Americollect sent return ltr on XXXX/XXXX/16 of a name acct # and a balance # and a statement that does not match alleged creditor name or any doc bearing my signature. Americollect did not mark any credit reports disputed within 30 days of signed receipt of my dispute. I sent a XXXX registered ltr to Americollect on XXXX/XXXX/16 and they signed on XXXX/XXXX/16. They responded with a letter stating they, verified, and validated my dispute and my letter now is deemed frivolous or irrelevant and will not be looked into. After 60 days Americollect have not marked disputed on my credit reports no anything with my signature validating that this belongs to me. I have copies of my credit report on both XXXX/XXXX/16 and XXXX/XXXX/16 showing not disputed.
Consumer complaint received 2022-10-17
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. (IL)

just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.and tracking number #
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NC)

RE Acc # XXXX I received the attach letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX when I intend to dispute an error on my credit. According to the letter they stated that a company call XXXX XXXX  XXXX  sold me a Vacuum machine that is why they are collecting the debt that I own. Below is the reason. 
They came to my apartment and talk to me about the vacuum and ask me to give them my old one so that they can give me the discount of what they have. So, they took my information and they leave the equipment in my house and they said I should sign and they are checking my credit and come back to me and I said okay. 
They never took my old vacuum anymore so I was thinking they will come back but they never return to my house. 
And I dont have their number to call them. So I also leave the equipment in my garage and when I received your letter I beginning investigate the company and I found their number and I call them to explain the situation and they gave me address to where they are, I drove hour and half from my house to where they are and I gave them the equipment ( Vacuum ) So, I dont have the Vacuum in my side because I did not buy any Vacuum, I have return it. 
No one can force me to buy something I dont need it so I have sent it to them by my self So please I dont own anyone or XXXX XXXX  And I also dont own Monterey Collection because I did not buy or bought anything from no body Thank You
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Dear Equifax, In the results of your Third investigation, you stated in writing that you verified that this item ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that EQUIFAX provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules ;
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Account satisfied / not owed / not mine falsely and repeatedly reported. Equifax denies I am the complainant and does so repeatedly to avoid accountability of regulators in violation of license and law. 

No moneys owed. Attached find record indicating same. Yet no documents contrary to nothing owed or substantiating complaint have ever been provided.
Consumer complaint received 2020-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Cap One letter XXXX dated XX/XX/XXXX Why is still XXXX chargeback credit still pending? {$33.00} other 3 have been credited (! ) I do not understand XX/XX/XXXX letter, do you need any other info paragraph 2 says '' decision remains unchanged '', what decision are you referring to? XXXX {$33.00} no credit afforded, if so why? 
Do you need more info? 
XXXX had State of Emergency and cancelled all domestic flights. My XXXX flight to get there was refunded by Capital One Expalin, please
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and the DEPT OF ED/XXXX  partial account number XXXX. Also, XXXX and Transunion are reporting that I am ( 30 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also included my identification documents for reference. ) These FOUR accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Resurgent Capital Services L.P. (MI)

I was loan {$8000.00} from XXXX XXXX and was paying them {$370.00} a month for more than a year, I got sick and had to have XXXX XXXX. they sold my loan to ( LVNV FUNDING LLC ) for the amount of {$8100.00}. What I had them all that time could not have been all interest payment.I like to know what happen to the money I paid XXXX.And why did they sell more than was borrowed. What happen to the Money that was paid.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (AZ)

Citi credit has failed on multiple occasions to report my financials to the credit bureau. This is adversely affecting my ratings. According to Citi 's policy, a report should be made on the XXXX of every month or at least at the end of my billing cycle which is the XXXX of every month. On XX/XX/XXXX, I called citi to advise that my credit needed to be reported as soon as possible as I am working on a time sensitive issue. 

After seeing no changes, I called Citi on the XXXX to see if I had misunderstood anything in their policy. I was told that a report would be made by midnight. On the XXXX, after seeing no changes, I made a call to citi again on this matter. I do not believe I received a coherent explanation. 

It is XX/XX/XXXX, and my XXXX report from Citi is still reflecting an outdated report of XX/XX/XXXX. XXXX has told that they have not received anything from Citi. 

In these rapidly changing financial times were time is of the essence, I plead that credit institutions should be accountable for either their dereliction of duties or complacency. 

I hope that CFPB can do something about this.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

This is not about the denial itself, but rather due to Synchrony 's refusal to provide a reason for the denial except via mail and making the problem worse by saying that the only way to submit a complaint about the practice is to mail a letter to their corporate office located in Florida. I submitted an application for credit via an offer from a local flooring company and was told by Synchrony that the application was denied, yet they refused to tell me why. Synchrony kept telling me that a letter would be mailed to explain the reason for denial. When I told them that other financial institutions like XXXX XXXX and XXXX XXXX at least tell you the reason why so you can quickly cure it ( if possible ), they just kept telling me sorry but a letter would be coming. 

This is honestly the first time this has ever happened where I have been denied credit and the institution has refused to say why. It could have been due to reasons like my credit not being properly unfrozen ( which is a separate issue where the three credit bureaus often do not properly flag accounts as unfrozen ), too many recent inquiries due to a property purchase, or insufficient income ( even though the application listed {$140000.00} and could have been cured by adding my spouse 's income as well ). I feel that a bank that makes billions in revenue refusing to even tell why an application was denied is disrespectful. 

In addition, I wanted to file a complaint to have the bank look into this and see whether the practices could be changed or whether protocols were being adhered to and was told that I had to mail a letter to XXXX XXXX XXXX in XXXX, Florida. I am not sure if even this is legal since it seems like an attempt to reduce the number of reportable complaints. 

Either way, Synchrony seems like a company that only cares about itself and the salaries of its CEO and Board of Directors rather than its customers or potential customers. I would like to reiterate that the supervisor I talked to was considerate and professional. My issue is not with any of the employees, but rather this corporation.
Consumer complaint received 2023-02-15
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: Early Warning Services, LLC (OR)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-11
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)

On XX/XX/2018 I recieved a notice that XXXX had pulled my credit report resulting in a hard inquiry. I immediately called in to alert them to the fact that it was a fraudulent inquiry and they agreed that the name and phone number on the application did not match my own. I asked them to remove it and they said that they would, but as of XX/XX/2018 there has been no change.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Attached hereto please find a pertinent portion of the furnished information by Chase to XXXX, which claims that Chase charged off this account 32 times! It means that Chase received 32 times tax creditfor charging off one account.

This is Internal Revenue Service Code violation and amounts to : perpetrating fraud on Internal Revenue Service underTitle 26 of United States Code 7206, Committing mail fraudunderTitle 18 of United States Code 1343, Violationof FCRA or in simple languageTitle 15 of United States Code section 1681, and California 's Consumer Credit Reporting Agencies ActCalifornia 's Civil Code 1785.25 ( a )! 
If Chase believesthat this account is legitimate, Chase can only discharge itONE TimenotTHIRTY TWO Times!

Since the impact is 32 times more severe on me than only one time, accordingly I am a tort-victim and Chase is tortfeasor, with respect to the civil action under 1785.25 ( a ) and 15U.S.C.1681. 
This matter has been brought to attention of CHASE on numerous occasions, to no avail.
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Aldridge PIte Haan, LLP (GA)

XXXX XXXX hired Aldrige Pite Haan LLP to collect my deb, Aldrige hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then Ms. XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. 
They fabricated the notice, I never received a notice to go on court neither my family did.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (FL)

Well trying to send money through The website https : //transferwise.com/ Because I have digital photographs of what they actually tell me is being sent the price changes the times constantly change I have no idea if the money been sent or the money been taken they refused to contact me : Because theyre XXXX  around I want their legal department mailing address and their United States federal tax ID number theyre conducting business they have one.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

On XX/XX/XXXX, I emailed Guaranteed Rate 's Special Loan department, per their Customer Service department 's direction with a request to put a lump sum of money toward our principal and to recast our loan. 

XXXX XX/XX/XXXX, I received a letter from Guaranteed Rate with the steps necessary to recast our loan. I called Guaranteed Rate Customer Service to verify that I needed to put another request in writing, per the letter, and to confirm that I can put both the amount to be applied to the principal ( {$100000.00} ) and the fee to recast ( {$300.00} ) on the same check. Customer Service reported that I did not need to write an additional request, but I did regardless, and my wife and I signed it. I then mailed a check for {$100000.00} to Guaranteed Rate on XX/XX/XXXX ( check # XXXX XXXX, which was cashed on XX/XX/XXXX. 

I contacted Customer Service the first week of XXXX to check the status of the recast because our XXXX payment was still in the original amount. Customer Service informed me that I was going to receive a packet via 2nd day Air from UPS, which I received on or about XX/XX/XXXX. In the packet, a letter dated XX/XX/XXXX confirmed the {$100000.00} amount in principal reduction and provided loan modification paperwork that needed to be signed and notorized. This process was completed on my end and sent back to Guaranteed Rate via UPS 2nd day Air on XX/XX/XXXX. 

I contacted Customer Service the last week of XXXX to check on the status of the recast, as our XXXX payment was still in the original amount. Customer Service informed me that it was being processed on XXXX and to wait to make the payment until it was adjusted/recast. 

Today is XX/XX/XXXX. I contacted Customer Service again, as the due payment is still showing as the original amount. They are sending an email to " XXXX XXXX '' to initiate the recast, as they can not do anything more. 

Guaranteed Rate took possession of {$100000.00} of my money in XXXX and received the paperwork they required before it was due ( per the XX/XX/XXXX letter, it was due on XX/XX/XXXX ). Their Customer Service department has no connection to XXXX XXXX and is unable to rectify any issues. I am being put at a great financial disadvantage, as I sent them an extremely large sum of money and am still being held to the old principal amount. If I do not pay by the grace period ( XX/XX/XXXX ), I will then be in bad standing. Guaranteed Rate is operating unprofessionally and unethically.
Consumer complaint received 2018-12-11
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. (TX)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX