davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dis purpose.

46.7K
Consumer complaint received 2022-03-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (NJ)

Sometime within the past year I applied for an account with NetCredit and was approved for a credit line of {$3800.00} which I never accessed due to extremely high interest and finance charges. In XXXX I discovered that my XXXX credit report indicated the line of credit was open and reporting a balance of {$4600.00}. I never requested advance of the account fund, never received funds to my bank account, and became unable to access my account online. I have disputed the account with the credit bureaus, filed an identify theft report with the FTC, and contacted the company directly with no result.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

I called on XX/XX/XXXX where XXXX of XXXX were refunded. They stated that they can only refund up to XXXX per year so until next XX/XX/year> is when I would be alloted XXXX more. 
I called on XX/XX/XXXX where they refused to refund the XXXX overdraft charges. 
I am not opted into debit protection or overdraft protection and yet they allowed the charges to go through and make me pay an overdraft fee. 

This problem is with JPMorgan Chase Bank.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I had two checks deposited into my Capital One bank account that were the same amount of {$540.00} that I did not do. Then on XXXX XXXX I had another check deposited into my account with the amount of {$1200.00} that I did not do as well. When I disputed those transactions with Capital One on XXXX XXXX after checking my account I was placed on hold by an employee at Capital One named XXXX who made multiple threats about locking my account for other reasons that I did not call in about. I asked to speak to a Capital One Manager named XXXX and he placed me on hold for about 5-10 minutes. XXXX informed me that my account would be restricted until they completed an investigation for a PPP loan I received on XXXX XXXX and the amount of my loan would make my account negative. I let XXXX know that the checks that I was disputing were why I was calling in and that me disputing something going on with my account and now having something completely different now affect my account was not okay since I was not calling in for that. I received an email shortly after to send documents in regards to the PPP loan and also informed them multiple times through email and phone calls that I never stated that I owned a business and that I was a XXXX employee. My account has been negative $ XXXX for over almost three weeks and almost going on a month. I have had multiple bills that have been reversed and not paid because of Capital One locking my account or restricting all access to my account/funds. I have received zero information in regards to my original dispute which were three checks being deposited into my account, it has been 16 days since my dispute and there has been no resolution and those checks are still showing up in my account. They have not sent me a new debit card as well either. I made multiple attempts online to request a new card as well as calling multiple times and I have been told one is being mailed to you but I have not received one. Every single time I try and contact Capital One for an update and when I let them know this has gone weeks without an answer I am told the same thing which is we do not have an update for you and this can take as long as it wants there is no deadline or timeline.
Consumer complaint received 2021-04-15
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 — Was not notified of investigation status or results
Company: PlusFour, Inc (NV)

On XX/XX/2021 I disputed directly with the collection company because I don't believe this debt to be accurate ; so I requested validation of the debt. PlusFour Inc never responded to me nor did they ever validate the debt they claim is owed. I have now submitted a 2nd dispute, today XX/XX/2021 with PlusFour Inc and pending a response.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY ()

world savings bank / Wachovia bank / wells fargo bank mortgages XXXX texas usa fradulent forclosure /cahoots magistrate judge XXXX florida usa cfpb 39 case complaints against wells fargo bank mortgages for stealing my penshion home in florida usa CFPB with all the changes you have made from the start XX/XX/XXXX no missed paymant acount in credit over 50 % equity in home mortgage XXXX home value XXXX corupt final judgemant XX/XX/XXXX sold 3times within 1 week seen days and increased another XXXX XXXX court steps? the bank and athird party i had this home built in XX/XX/XXXX until XX/XX/XXXX pad my taxes paid my insurances and added to the american system but you picked me out because i was a foriegn national /english subject and when the banks were in dire straights you pick on us XXXX because we were not entitled to the usa govermant protection housing /etc this was a blatent way to recollect on mortgages with over 40 % equity in the property most americans were under water with the propertys no forclosures ther? please read my file of cases all the proof is there this was adeliberate act to deceive all payments cashed by wells fargo mortgages acount in credit un cashed insurance check why have you not prosecuted this fraudulent bank and put the person responsable for the fraud in jail thanks XXXX
Consumer complaint received 2022-09-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, how can you consider my account late as the last payment dates are totally different from each other to all 3 bureaus.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NE)

The mortgage for our home was serviced by Loancare , LLC for the past year or two. Earlier this year we refinanced and our mortgage was moved to a new company. We have not received a refund check for our escrow balance from Loancare and have been unable to contact them despite repeated attempts over more than a month. 

Here 's a brief timeline : XXXX our last mortgage payment to Loancare XXXX the mortgage with Loan care is closed ( paid in full XX/XX/XXXX ) XXXX Loancare website notes 'EscrowRefundToBorrower ' ( no check or payment has been received by us ) XXXX - Throughout XXXX I attempt to contact Loancare via the phone # s listed on their website and through the ticket system on the website unsuccessfully XX/XX/XXXX - Automated response from website ticket system directing me to new phone number ( same as previous leads to phone tree that eventually disconnects the call ) XX/XX/XXXX - XX/XX/XXXX - I have made repeated efforts to contact Loancare via the email, website, and phone numbers. I have been unable to speak or correspond with a single person
Consumer complaint received 2021-04-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

On XXXX XXXX of collection reported on my account/collection letter sent to me, National Credit Adjusters add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (SC)

Applied for a first home loan pre approval. Was systematically denied based upon insufficient funds.

Representative of BB & T, NooTRUIST, XXXX XXXX never contacted me personally with minimum requirements, never informed me of the banks minimum loan amount, never provided the maximum amount of approval based upon the information provided, failed to request further information prior to processing a credit check which adversely lowered my credit rating. 
Such a failure in a pre-approval process with a first-time-home-buyer proves critical financially discriminatory practice which dampens the application capacity, delaying the equity-building potential for first time buyers.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-26
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-04-16
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: LEXISNEXIS (MD)

I disputed a bankruptcy that LexisNexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2021, I received a letter from LexisNexis stating the LexisNexis investigated and verified that the information was accurate and true. The letter from LexisNexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting LexisNexis provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the fifteen ( 15 ) days to complete re-investigation and response with the Method of Verification began. As of XX/XX/2021, the 15-day grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I contacted Lexis Nexis via telephone at XXXX and the service rep placed me on hold, and I stayed on hold until the phone hung up. LexisNexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like LexisNexis to delete the unverified item from my consumer report and refrain from continually reporting the unverified information to the credit bureaus.
Consumer complaint received 2021-04-16
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 HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Equifax : Collections : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX  XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX-0XX/XX/XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX XXXX  : Closed : 1.Dept of EDXXXX 2.XXXX XXXX and XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX  XXXX Inquiries : 1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.XXXX XXXX And XXXX
Consumer complaint received 2021-04-16
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. (CA)

Due to me being a victim of identity theft I spoke with XXXX at Transunion on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Transunion credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Transunion credit report due to my identity been stolen.
Consumer complaint received 2024-05-30
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

I opened XXXX disputes with Chase credit card services about a med spa that falsely sold me a XXXX XXXX and laser hair packages. Long story short, this med spa told me I have XXXX XXXX and XXXX and other issues and said I need a {$2500.00} XXXX XXXX to fix my health. They did not show me my blood work results until I was sent home. I got home and noticed all my blood work was normal. I confirmed this with XXXX nurses and my OBGYN. XXXX XXXX clearly stated in our patient portal that my blood test results look normal. Chase would not take this as proof and are requesting a letter from my doctor. My doctor said he can not legally provide a letter because they do not want to be subpoenaed to court. My XXXX disputes are for charges {$1500.00}, {$450.00}, and {$2500.00} This med spa has refused to refund me partially. I have asked them multiple times and explained that they are scamming people with false info just to sell very expensive packages. I have XXXX pellets remaining and XXXX laser sessions remaining so I should be getting at least XXXX back but Chase is not accepting the XXXX documents of proof I have submitted. They just keep denying my claims. I am now out {$4500.00} for services I have not even used because Chase does not care about its customers ( nor does that med spa ).
Consumer complaint received 2022-09-26
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act Dept of Ed/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 XXXXXXXX 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 states a consumer can not furnish an account without my written instructions.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act Dept of EdXXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 states a consumer can not furnish an account without my written instructions.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (TX)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this, day over 70 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.
Consumer complaint received 2022-12-06
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-16
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. (NY)

I am submitting this complaint as a formal request for investigation for fraudulent information that was found on my credit report. I am very concerned with TransUnion 's reporting. I want my financial freedom back and it is my right to have TransUnion 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 2. XXXX XXXX XXXX. Date : XX/XX/2020. 
3. XXXX XXXX XXXX. Date : XX/XX/2020. 
4. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 5. XXXXXXXX XXXX Date : XX/XX/2020. 6. XXXX, XXXX XXXX XXXX. Date : XX/XX/2020. 7. XXXX XXXX. Date : XX/XX/2020. 
8. XXXX XXXX XXXX. Date : XX/XX/2020. 
9. XXXX XXXX XXXX. Date : XX/XX/2020. 10. XXXX. Date : XX/XX/2020. 

I thank you for your help.
Consumer complaint received 2024-05-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA (NY)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification about this debt. If in fact, you believe that Ive received proper notification, please provide the certified mail that you sent to me with my receipt and signature which shows that Ive received this debt notification and right to dispute.