davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (MN)

My wages was garnished by a company called XXXX XXXX XXXX first back in XXXX I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of 4 that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that Messerli and Kramer is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact XXXX XXXX XXXX  again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. XXXX XXXX XXXX are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. XXXX XXXX XXXX removed there inquiring in XXXX which is when the garnishment first started but some way Messerli and Kramer is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from Messerli and Kramer. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo purchased flood insurance on my home and is billing me even though I have sufficient insurance and have provided proof. They claim the amount must match my home owners policy but that is not true as per the attached letter from them. I have {$170000.00} coverage which is the amount determined by the insurance company. In addition, I contacted Wells Fargo before placing this policy and was assured it was adequate.
Consumer complaint received 2018-04-12
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Navient Solutions, LLC. (KY)

Unfortunately, I do not know the company. It is from a blocked number. Someone leaves a voicemail message that says XXXX XXXX wants me to call her at XXXX with student reference number XXXX to talk about repaying my Federal Loans ( which I pay monthly WITHOUT FAIL ). I receive this call at least two times a day. It interrupts me at work and it comes in the evening.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I had a credit card with XXXX XXXX XXXX credit card. My payments were always on time. The card was closed apparently due to excessive debt ; I use less than 10 % of my total credit line. I applied bfor a credit card from XXXX 's XXXX ; a competitor and my card was close almost the same day. This was an unfair practice without justification.
Consumer complaint received 2022-02-06
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: JPMORGAN CHASE & CO. (OH)

I sent a letter to JPMCB Card Services and i have not hear from then. This was a a notice informing JPMCB Card Services that they have violated federal law because the date furnisher ( then ) fail to send a written notice prior to or with in 30 days after accounts, collections, and late payments to my credit report without sending me a written notice as required by federal law section 623 ( A ) ( 7 ) ; 15 U.S.C 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( B ) ( 2 ) ( ii ).
Consumer complaint received 2022-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MI)

TIN : XXXX Chase Acct # Acct # XXXX I had business credit line opened with Chase bank in XXXX, MI in about XX/XX/XXXX which was completely paid off in XX/XX/XXXX to XXXX XXXX. Despite zero activity since then Chase automatically starts withdrawing {$300.00} from my other personal accounts into business line of credit for which balance was zero. So, my business line of credit keeps going more and more negative and with-drawl from my personal accounts without any reason without my permission, when I owe zero in reality on that line of credit. It was very complicated to get anyone on line to resolve it. After much efforts, time wastage during work hours, I got money back into my account on XX/XX/XXXX. But after few days on XX/XX/XXXX Chase does same thing, it again withdraws another {$300.00} and now my account is again negative by {$300.00}. 
I believe it MUST STOP. Chase needs to pay me double with interest for doing this. 
How many small businesses is Chase doing this? I would like to know.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DataMax Corporation (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX As Follow Below : 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 602 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-08-12
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: CITIBANK, N.A. (CA)

on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at Best Buy by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a Best buy card. We called Best Buy they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and Best Buy acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. Best buy tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact Best Buy to have it removed we have and still it remains on our report.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is continuously reporting inaccurate information to my consumer report they have taken a vital role in myself and my childrens lives. This company has willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a recent copy of my most recent report regarding this account, I have also circled all INACCURATE information since this company will not do a proper investigation. XXXX is practicing identity theft as well since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS XXXX 'S AUTHORTY REGARDING MY PERSONAL INFORMATION? Pursuant to 1681 ( 2 ) ( i ). DELETE THIS ACCOUNT ONLY ( XXXX ) FROM MY CONSUMER REPORT, the information is INACCURATE I should have never had to circle each inaccurate detail on my own. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage.
Consumer complaint received 2022-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I closed a bank account in XX/XX/XXXX not realizing a rarely used credit card ( Bank of America ) was still connected to the account. I was enrolled in Bank of Americas email alert notification system which I thought would alert me to any problems with my account. I had this account over 20 years. 

I received BOA email messages in XXXX and XXXX they had received an automatic payment for both of those months. That was not the case and due to two late payments my card was canceled. I never received any email notice from BOA there was anything wrong with the account in fact they said 'Payment received '. I found there was a problem through another credit monitoring agency I use. SEE ATTACHED EMAIL ALERTS I contacted Bank of America XX/XX/XXXX. They would not help with the late payments already on the account. I wanted to close out the balance and card on that date. They initially told me 100.00 which I paid but then I asked them about any accumulated interest to that date. The gave me another figure of XXXX which I also paid. PLEASE SEE CREDIT CARD ATTACHMENT FOR THOSE TWO PAYMENTS. 

At that point I considered the account closed but unbeknownst to me they calculated the interest incorrectly and I had another 90 cents still in accumulated interest. The card was not closed XX/XX/XXXX when I paid off the balance but another 90-day late fee was reported in XXXX which I was again alerted to by an outside agency. I paid the XXXX cents XX/XX/XXXX. SEE ATTACHED CREDIT CARD STATEMENT FOR THIS PAYMENT. 

First I tried to dispute it myself. The current system is the credit card company gets to decide if it made a mistake or not. Surprise! They found in their favor! 

I hired at attorney firm XXXX XXXX XXXX and XXXX ) who sent repeated letters to BOA regarding these errors. BOA did not reply or correct the error. They then contacted the reporting agencies who also did not respond. They have tried for over a year to correct this error. My credit score dropped from over 800 over 100 points. 

I have no recourse. I am turning to the Consumer Protection Agency as a last resort. 

XXXX XXXX CONTACT INFO : Direct : ( XXXX ) XXXX XXXX Personal : ( XXXX ) XXXX Office : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

i did not authorize any of these inquiries it was application submitted without my knowledge : XXXXiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax numerous times regarding an inaccurate collection account listed on my report. They have conducted investigations with two separate disputes and they claim the listed account is valid. I have requested proof of validation several times from both Equifax and the collection agency and they have failed to provide adequate documentation. I have attached a copy of Equifax 's decision to this complaint. Please remove this account it does not belong to me.
Consumer complaint received 2022-02-06
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)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They 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. XXXX, XXXX XXXX, and Experian 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 they 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 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 ( 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.
Consumer complaint received 2018-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor CAPITAL ONE BANK USA with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor CAPITAL ONE with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.
Consumer complaint received 2018-08-12
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. (FL)

On or around XX/XX/XXXX, I requested Experian 's method of verification in regard to a specific collection account, XXXX XXXX, that is on my credit file to no avail. Instead, I received a form letter response. To date, Experian has not provided me with any information they utilized to determine that the information XXXX XXXX provided was accurate. Again, on or around XX/XX/XXXX, I disputed the XXXX XXXX with Experian to no avail. Experian has failed to comply with 610 ( 1681h ], clearly and accurately disclose the requested information to me.
Consumer complaint received 2022-02-06
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. (MI)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They 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. Equifax, XXXX XXXX, and XXXX 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 they 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 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 ( 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.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MO)

XXXX XXXX XXXX phone number XXXX has called my adult children multiple times, they also called an elderly neighbor but they have not called me. They have also called my daughters number asking for another person regarding me. My daughter has not lived a my address for 10 years and my son has never lived at my address. When I called the number left on my daughters voice mail with the reference number they would not tell me why they are trying to contact me unless I give them my SSN. Four years ago someone filed an income return with my SSN and it cost me a lot of money to get it resolved so unless I know the company and the exact reason I will not give my number out. Since I called XXXX XXXX XXXX they have continued to call my children and people I have no association with other than we live on the same street. I  have not received mail from them explaining why they are looking for me. The phone calls are multiple times during the day and everyday.
Consumer complaint received 2018-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC (TX)

My mother called me on XX/XX/2018 stated she received a call from a someone from XXXX   county stating she needed to have me call them back as they have charges filed against me and I would be going to jail if they don't hear back asap. My mother was clearly worried so I looked up the number before calling back and there were numerous complains stating they received a similar call. Within a few minutes I had a voicemail on my cell phone from global same man that called my mom ( XXXX ) XXXX with the same message. Within minutes our work receptionist let me know she had a very strange phone call for me. I took the call, it was a the same man sayig he was from a firm representing global he was asking me to confirm my name and DOB. I didn't confirm he then proceeded to say I left a message with your mother do you want to go to jail why haven't you called back! He said he was calling from XXXX county and said if I don't call XXXX case # XXXX I said what is this about he said that's like opening your mail, I don't know if you want to resolve that matter call the number or have two forms of ID ready for the Sherriff who will pick you up @ work. I told him to please stop calling  me and I hung up. He called right back and asked for my boss, he was rude to her as well and said he was calling from global and told her he wanted me to call them back they will be going to my place of work to arrest me she asked him what do you need from me as your calling her place of employment he said for you to give her the message to call back immediately or we will move forward with serving her at work confirmed my work address then said have her two have ID ready for the sheriffs office & hung up on her. I called XXXX county and they said they don't make those types of calls and it was most likely an debt collector or a scam they could simply take an informative report. At this point not only was a deeply embarrassed at work I was worried as I didn't know if this was legitimate of not. I called and left a voicemail to the number the man left but it just rang then went to voicemail. I contact an attorney XXXX XXXX and explained to him what occurred he asked me to make a complaint here and said he called them back but also got a VM, he left a detailed message but hasn't heard back yet. He said in the message he asked them to send me something in writing he said it should be sent within five business days of their initial contact with me. He stated its either a scam or an illegal debt collector. I really don't know what else to do in the interim as I have the feeling they will be contacting me again at work, how is this type of harassment legal, I'm really worried and upset that this happened to me. If I truly owe a debt to them id like to have the opportunity to research and resolve it without extreme measures of harassment. I'm asking for your guidance and help on this matter please.