davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: LEXISNEXIS (FL)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (GA)

Discover violated my Federally Protected consumer rights. XXXX XXXX also committed identity theft and 10 other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a )
Consumer complaint received 2020-10-23
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: CITIBANK, N.A. (FL)

I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon   CitiCard, THD CBNA,  and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

I am trying to cancel my mortgage insurance. We bought our condo for {$600000.00} in XX/XX/XXXX with 10 % down. We now have a LTV of less than 80 % based off of the original purchase price. I put in a written request on XX/XX/XXXX to cancel my mortgage insurance early from Lakeview Loan Servicing ( subservicing by XXXX  ) after we got below 80 % .I got a letter from XXXX saying I needed to do a Broker 's Price Opinion ( BPO ) for {$100.00} to make sure the value of the condo has not gone down. The result of the BPO was that the value of the house was below {$600000.00}. 

My complaints are as follows : 1. The original BPO on XX/XX/XXXX was external only as shown in my original attachment making it an invalid BPO of my property for these purposes. As outlined in the XXXX XXXX   requirements, XXXX XXXX XXXX, under section, Ordering Property Values for Mortgage Insurance Termination, " On one-unit properties, the servicer must order an interior and exterior BPO. '' To resolve this, XXXX needs to order the correct internal and external BPO at their own cost to replace the invalid BPO they made me pay for in the first place. 

2. The second issue is that once this new internal and external BPO is complete, if the BPO is below the original purchase price of {$600000.00}, I should, but wasn't offered the option to pay down my LTV to 80 % of the BPO value. This is outlined by the XXXX XXXX in XXXX XXXX XXXX,  under the section Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Original Value of the Property, under the section 3. Verify the current value of the property is not less than its original value, and finally in the last row of the table. " If ... The BPO or appraised value is less than the original value of the property, then the servicer must ... deny the borrower 's request for termination unless the borrower pays down the mortgage loan balance to the point that it satisfies XXXX XXXX XXXX LTV ratio eligibility criterion. " ( which is 80 % under 3. Verify the current value of the property is not less than its original value ). To resolve this, Lakeview should give me the option to pay down the mortgage to 80 % of the LTV and remove my PMI.
Consumer complaint received 2021-07-20
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: Source Receivables Management LLC (FL)

1. XXXX XXXX XXXX, Account # XXXX, Amt $ XXXX-XXXX  out in Texas and I never was in Texas and I live in Florida. They also are harassing me 2. XXXX XXXX-Account # XXXX
Consumer complaint received 2019-02-20
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: Experian Information Solutions Inc. (GA)

We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.
Consumer complaint received 2017-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

XXXX XXXX XXXX XXXX the XXXX/XXXX/2017 wire transfered XXXX USD to Coinbase Inc. the XXXX/XXXX/2017 Coinbase Inc.  Notified by email and their support platform tha the wire transfer would be reversed in 3-5 labor days. 

So far I 've had only a repetitive response " we are working on it, we are busy, etc.. '' reaching them requires hours of phone call waiting and so far no response from their support platform except their " automatic '' follow up. 

We consider its completely unacceptable to hold our money for 10-12 days when the electronic wire transfer takes MAX 3 days, and in 90 % of the cases less then 24 hours. 

We are worried our funds are being using for their regular operations and holding it as long as possible before proceeding with the reveral.
Consumer complaint received 2022-01-07
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)

On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, XXXX XXXX XXXX at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX. 

I am filing a complaint to contest the fact that XXXX XXXX XXXX  allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

This complaint is in regard to FOX COLLECTION CENTER. THIS COMPANY IS NOT COMPLYING WITH ANYTHING I AM REQUESTING. BY LAW THEY ARE REQUIRED TO PROVIDE INFORMATION UPON REQUEST! This is according to the Debt Collection Rule. I am unaware of the alleged debt they placed on my consumer report. I did not have the opportunity to dispute the alleged debt, and it was furnished on my credit reports. As a result, my character and reputation are being damaged per 15 USC 1692d ( 1 ). This is a violation. If in fact you believe you gave me proper notice, then please send me the certified receipt with my legal name on it or my signature. SEND ME PAPERWORK NOW BEFORE I SUE YOU PER 15 USC 1692K FOR ABUSIVE PRACTICES AND WILLFUL NON-COMPLIANCE!!!!!! How am I supposed to know if I actually owe a debt if I don't have any proof???? Saying " My client verified you owe the debt does not help me and plus you are already XXXX for other abusive practices. I am reporting this to my state attorney general!!
Consumer complaint received 2018-04-06
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: National Credit Adjusters, LLC (TX)

This company is not licensed to collect in my state. I'm am a Texas resident and this company is bonded in Kansas. Today, XX/XX/2018, this debt was added to my credit report! I'm furious! Not only because they are illegally trying to collect in my state, but I have NEVER even done business with this company. I don't know who they are! I have worked really hard on my credit and haven't had late payments or new deragatory marks on my credit in YEARS!. The company attempting to collect the debt is NATIONAL CREDIT ADJUST. THEIR address is Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX | ( XXXX ) XXXX. The amount listed is {$830.00}. No one even ever attempted to contact me.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Collections U.S.A., L.L.C. (FL)

I checked my credit and saw an old bill for Credit Collections USA LLC from XXXX XXXX XXXX XXXX in XXXX, FL in the amount of {$130.00} and from XXXX XXXX XXXX for {$220.00}. I never received the original bill as there were a plethora of mail related issues. I called the number associated with the both doctors office ( XXXX and XXXX ) and spoke with billing. 
I explained that I would like to take care of my bill for the physician. The balance is on {$0.00} for XXXX XXXX XXXX and the billing rep stated the bill was really old and would have been written off by the end of the year. She also said it should not be reporting on my credit because its very old. 
The billing XXXX at XXXX XXXX ( XXXX XXXX ), XXXX, stated XXXX XXXX no longer worked there and his private practice was dismantled when he joined a new practice. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone and there was no credit reporting for balances owed. 
I called XXXX XXXX and spoke with the collections supervisor, XXXX. She told me they would not delete the trade lines that are being illegally reported because the debts are no longer valid is not owed.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was double charged for XXXX prime membership each month for the last two years XXXX and XXXX. I reached out to XXXX and they only credited one month back to me and told me to reach out to my bank ( Bank of America ) to get the other charges credited back. I just got a letter in the mail today from Bank of America saying they denied the claims after I provided proof for each month I got charged.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

I am filing a complaint regarding Amazon.com and Chase Bank. I have been an Amazon Prime member since early XX/XX/XXXX. Ive noticed in transacting my last four purchases with Amazon in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ive subsequently received a letter in the mail from Chase bank stating that an Amazon Awards Visa card application needed additional details before it could be further processed. I do not now nor have I ever had an Amazon Visa card nor have I ever applied for one through Amazon or any other company or lending institution. I reached out to Amazon customer service who informed me that I needed to contact Chase as the account was to be opened with them. I contacted Chase three times when I received the first three letters. Chase informed me that someone applied for the card using some of my information but didnt have enough to fully process it. I informed Chase that I did not apply for this card and wanted them to put some fraud or flag mark on the application process if the attempt happens again. Needless to say Chase informed me they could only send me an information packet on protecting my credit which is laughable considering the data breaches that happen very regularly across the country which affects consumers no matter how diligent they are in guarding their credit. This is a major issue that I would like investigated further.
Consumer complaint received 2017-09-14
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. (TX)

my checking account has been being shown as maxed out on my report when it barely has any amount left outstanding. I 've been waiting since XX/XX/XXXX for it to change. I 've filed a dispute, but no word back yet. I tried calling and every single time I call TransUnion, they disconnect on me. I have yet to find a way to get through on their phone lines without being instantly disconnected by their end. Their call center appears to be a sham and leaves me with no option of speaking with someone to understand what 's been going on with their lack of updated credit information.
Consumer complaint received 2021-03-31
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)

I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (CT)

I started receiving calls on XX/XX/XXXX from a restricted number or XXXX. From XX/XX/XXXX they have called me XXXX times from the same numbers. Sometimes multiple times in XXXX day. They have also been contacting my husband on his cell as well. This debt has no ties to him and on XX/XX/XXXX when they called for thr XXXX time i told them they are not to try to contact me on his number. 

I did talk to them on XX/XX/XXXX and agreed to male arrangements with them but kindly asked them to call me back because i was driving and trying to drop my XXXX off at XXXX. They proceeded to keep me on the phone for XXXX minutes trying to " console '' me with XXXX XXXX and XXXX psychology. I asked them to send me a statement so i could send them monthly payments. I got irritated and hung up on them. 

On XX/XX/XXXX they called again and I answerd to let them know I received the statement and that I would be sending monthly payments. The XXXX girl " XXXX '' stated that was only if i was paying the entire balance. I repeated to her what my intentions were then she handed the phone to " XXXX '' where he started with his XXXX XXXX and XXXX psychology again. I explained that I did not feel comfortable giving my account info and that I would be sending checks. This conversation went on for XXXX minutes. They were very condescending and refuse to hang up after I told them I was going to send monthly checks.
Consumer complaint received 2021-09-17
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. (MS)

I show a bankruptcy on XXXX and Experian credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact PACER as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2020-11-03
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. (CA)

The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OK)

I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capitol One Bank ( USA ) sold a balance of {$470.00} to XXXX XXXX XXXX. XXXX XXXX XXXX has been trying to collect this balance since XX/XX/XXXX. This is not my debt nor did I give Capitol One Bank ( USA ) permission to send my personal information to any agency or organization. Which is a violation under the FCRA.

Please take notice that this is a criminal investigation of the business practices of the above named organization or agency to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon false record in violation of U.S.C Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 471, 472, and 473 and or 513, and further : using corrupt business practices to make and posses false records and claim obligation, not substantiated by truthful facts in violation of the Ferderal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C 18 1961 et. seq. and further : using the U.S.Mail to to present such fraud and false instruments amounting to mail fraud, criminal conduct failing under Title 18 U.S.C 1341 - Frauds and Swindles laws, and further sending mail with fraud and fictions names, a criminal conduct falling under Title 18 U.S.C 1842 - Ficticious Names.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I reached out because I am unable to wait until XX/XX/XXXX for a replacement debit card so I reached out to Capital One. I was asked to verify my account which I did. I was then told I needed to verify my account via text. I never received a text so XXXX was unable to access my account. He asked for my last deposit amount which I gave. He told me it was wrong. It seems like I have a issue every time I try and use Capital One. They do nothing to address customer issues. Their XXXX and XXXX XXXX location ATM is always down. There's no accountability and no one follows up. I called the actual location and was told they don't have manager but " ambassadors. '' Well the ambassador never cared to follow up either. 

I am requesting a refund for the last ATM fee I received because of Capitol One 's ATM being down. I plan on opening an account with XXXX XXXX so I can receive a card instantly in the next few days if I don't receive the replacement card. Why does Capitol One not address customer issues and fix their faulty ATMs and unsafe lobbies? There are times where there has been human waste and trash on the floors in the lobby and Capitol One does nothing.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (IA)

I sent a letter to Commonwealth Financial in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.