davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: AMERICAN EXPRESS COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear Sir/Madam : I contacted my " Capital One '' XXXX XXXX after receiving alerts on my account ; of charges denied due to lack of funds. I reported the findings &, received a letter stating funds from unauthorized charges would be credited back. Told to destroy card & new one would be mailed. New statement showed new charges ; which I also reported. I was recharged for the previous charges because they said card was in my possession, & were face to face transactions. Explained no one had permission to use my card for any of these transactions, & I was hospitalized for two charges, and I am homebound.. How can I find out who completed & attempted these transactions.What actions should I take to get reimbursed for these fraudulent charges. 
How can I protect myself & others against the fraudulent claim regarding {$0.00} liability against fraud which obviously didn't work in my behalf & I. am certain I'm not the only victim ..... I also use. the RFID card protector sleeves for my credit cards since they are suppose to offer a measure of protection.. How do I correct these " POP 's ''? ( Pile of Problems )?? I believe Capital One CC Svcs should be investigated by the Georgia Attorney General to ensure that this unconscionable practice isn't happening to other consumers and. they should be fined for each individual transaction they held the consumers accountable for including any interest accrued. They should also be required to pay restitution for the pain and suffering caused to each victim of the fraudsters and a company that chooses to not stand by their widely advertised " XXXX liability '', policy... .And make a payment to a fund or group that serves to protect, educate and make publicly known these undesirable tactics against unknowing consumers... Capital One should be held accountable for their unacceptable practice of doing business ....
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (CT)

We've sent messages to Meridian Financial Services that we were disputing a debt because we're working with the original creditor to get the issue resolved. They have ignored us, and are breaking the law by doing so. They seem to be notorious based on complaints we've read about them and they should have their ability to collect as a third party revoked!
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paypal Holdings, Inc (VA)

Summary of events : a Venmo customer service representative revealed information about my debt to a third party without my consent. This event embarrassed me and violated my rights as to fair debt collection practices. 

On XX/XX/XXXX around XXXX XXXX, I answered a phone call an acquaintance, XXXX XXXX. He stated that a Venmo customer service representative was also on the line and that the Venmo representative had verbally requested this three-way phone call. XXXX XXXX verbally stated that the reason for this phone call was to attempt to reverse a Venmo payment that he sent to me by mistake. The Venmo customer service representative then revealed information about a previous, unrelated debt they said I owed to Venmo from XXXX of XXXX. They were aware that a third party was also on the line when they revealed this information, as they requested this three-way phone call. 

The scope of the three-way phone call was to reverse a previous payment sent in error. Venmo did not have my permission to reveal that I owed an outstanding balance with them to this third party. I did not bring up this up on the phone call before the Venmo representative revealed this information and embarrassed me. 

I spoke to a supervisor at Venmo shortly after and tried to resolve what I understand to be a clear violation of the Fair Debt Collection Practices Act. They stated that they would handle the matter " internally '' and offered no other resolution. They stated during the phone call that all of these phone calls are recorded. I also gathered that the reference number relating to this case is : XXXX. The Venmo customer service representative that revealed this information to the third-party identified herself as XXXX.
Consumer complaint received 2022-07-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (WA)

Violation of Appraiser Independence - TILA XXXX Real estate agent and mortgage lender attempted to influence the appraisal selection process of the VA. 
On or about... 
XX/XX/2022 : recevied order from VA. 
XX/XX/2022 : emailed listing agent for access/appointment to see property. 
XX/XX/2022 : email sent from loan officer to the VA indicating they received an addendum not allowing me ( Certified Res. Appraiser ) on the property to be appraised. Addendum was forwared to VA. Loan officer requested a reassignment to another appraiser. 
XX/XX/2022 : VA refused the request. 
XX/XX/2022 : filed a complaint with WA DOL Real Estate Section. 
XX/XX/2022 : WA DOL will not investigate further.

Attached : -PDF of VA communications portal showing copy/paste of email from loan officer and VA.

-PDF of Loan officer licensing/contact info.

-PDF of Real Estate Agent licensing/contacXXXX info.
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC. (PA)

Hello, I received a debt collection letter from XXXX XXXX Account Management for the amount of {$690.00} I have receipt from company showing XXXX balance. I sent a certified verification of debt letter on XX/XX/2023 with no response. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. There also no notice of dispute listed on my credit report just the debt owed which is a {$1000.00} fine for each offense Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute Consumer Protection Not only is BAM violating the law but the credit bureaus are as well XXXX, XXXX, XXXX. 

Thank You XXXX XXXX
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XX/XX/XXXX Credit acceptance auto loan XXXX XXXX XXXX {$19000.00} total old ( as of credit report ) Car voluntarily repossessed and sold for {$9000.00} Do not know how much car was worth Misleading information given
Consumer complaint received 2022-07-26
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. (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 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-12
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. (OH)

Ive sent a dispute letter & mov letter. 

Its been over 30 days and they havent verified. 

I spoke with court house and they dont verify with third party furnishes.
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC ()

My loan was due to mature in XX/XX/XXXX. My loan has been sold to several servicers over the last ( almost ) XXXX years. I was told that when my loan matured, I would owe an outstanding principal of {$6700.00} by XX/XX/XXXX. Rushmore had recently acquired my loan, so they were not able to tell me why I owed this amount. 

I have requested my closing paperwork. Not even a real estate broker can explain to me why I owe this amount. 

I have submitted applications for assistance since XXXX of last year. I was approved for a trial modification in XX/XX/XXXX. I made my first payment on the trial modification in XX/XX/XXXX, before it was due. A few days later, I received another application for assistance. 

I have also received a piece of mail stating that some of my interest was not applied properly when my servicer switched from XXXX XXXX to Rushmore. This is concerning. 

I can not get an answer as to why I owe this amount to Rushmore. I have been working with a HUD certified housing counselor since XX/XX/XXXX.
Consumer complaint received 2019-09-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX; XXXX and Transunion a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I have been applying for loan forgiveness for over a year, and finally applied for consolidation of the XXXX loans I have due to a recommendation from FSA. 

Had not heard anything in weeks, and I logged onto my account and it says that my loan has been paid off and is in good at standing, so I proceeded to message Mohela and ask about it, and they told me that I had no balance in my loan was paid in full and that I would get a letter saying so. I was excited, thinking my loan had finally been forgiven. I went ahead and called to make sure, and was put on a 20 minute hold, only to be told that it was the consolidation process and the loan would reappear in full. Which is HORRIBLE. This was not communicated with me in the slightest, and is very misleading. It also XXXX  out on the FSA website which just confirmed to me that the loans were gone. This should not have happened
Consumer complaint received 2021-04-14
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. (FL)

There is inaccurate information posted on my credit report with TRANSUNION. I have stated my reasons for disputing those accounts in the documents attached. I have sent 3 requests ; Certified mail to resolve these issues with no prevail. TRANSUNION is violating my rights by continues to report inaccurate information to my credit profile. First Request : Certified Mailed ( XX/XX/XXXX ) - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified Mailed ( XX/XX/XXXX ) - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Third Request : Certified Mailed ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # 1. Who verified these accounts? # 2. How were these accounts verified? # 3. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my WET signature on it correlating to the disputed accounts. If TRANSUNION is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. TRANSUNION has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.
Consumer complaint received 2022-07-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. has violated my rights.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 2022-07-26
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX Bank, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX, ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXXy XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. has violated my rights.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 2023-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cheadle Law Firm (TN)

We entered into an agreed judgement with Cheadle Law in XX/XX/2023. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that Cheadle Law never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.
Consumer complaint received 2018-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX there where some unauthorized charges on my account. I contacted chase and was reimbursed and now the charges are back on my account. After calling chase they informed me that I need to submit proof of where I was, but how can you submit proof if the only thing there looking for is if you where out of town or a doctors appointment. I think its unfair to charge someone for fraudulent purchases
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I was robbed at the beginning of XXXX and my card holder and phone was stolen. My Driver License was stolen along with my XXXX XXXX  card, my XXXX  card and my capital one venture card. I had to replace all of these things. XXXX XXXX and XXXX have already my the necessary adjustments and closed out the fraud claims. Capital one adjusted my account and then rebilled my account. When I called to get this clear I was transferred 5 times. I was connected to a supervisor who hung up on me. Then when I spoke to supervisor who couldnt provide a reason why the charges were added back and I asked for their supervisor they said nothing else could be done and they would say the same thing then I was disconnected. They also stated that when the claim was put it that it was not added that the card was stolen and not in my possession even though I informed them of this. This information was stated to be by two representatives. They messed up on their end and not wanting to own it and simply do the right thing and correct it. I informed then as soon as I noticed it and also I DID NOT HAVE THE CARD IN MY POSSESSION. I did not make any purchases nor did i authorize anyone to because I did not have the card or was aware of what was a happening. I went through a traumatic event and then to be treated this way when they were made aware is extremely stressful. The card was not in my possession. The fraud charges were XXXX for {$15000.00}, XXXX {$700.00}, correct {$1500.00} XXXX {$140.00}. I have never been to or shopped at any of these places. I dont purchase anything for {$15000.00} and I can produce bank statements to show that. I have never spent that with any purchase on the capital one account. Their security system/team failed and now they are trying to punish me. I pay my balance in full all the time since I have had this card. One payment was {$11000.00} and another {$2100.00} payment. These fraud charges need to be removed as Im protected by law because I did not make the charges and I have no idea at all who did. I was robbed and someone committed fraud with my account information and as a result my account was closed and trying to make me responsible is just negligent and completely vile.I am willing to reach out to media outlets or whatever is necessary. Any other business bureau as well.