davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (IA)

I am a federally protected consumer and the FCRA says i have the right to a accurate consumer report. And the FTC has a strong stance against identity theft. My name is XXXX XXXX XXXX residing at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX my cellphone # is ( XXXX ) XXXX. I Just saw on my Experian consumer report there is someone with a name of " XXXX XXXX " under the name section on my consumer report and a residential number of ( XXXX ) XXXX '' reporting on my consumer report AND THAT IS NOT MY NAME AND NOT MY NUMBER!!! I do not know how that got on my consumer report and to make things worse when I checked my Experian Consumer Report XX/XX/23 there a was a inquiry from XXXX XXXXXXXX XXXX on my consumer report like someone tried to get credit or a loan or something from XXXX XXXX XXXX and a loss of points because of the unauthorized inquiry. I feel violated!!! I need Experian to immediately delete the name XXXX XXXX and the number of " ( XXXX ) XXXX " and the unauthorized inquiry from reporting on my consumer report that IS NOT MY INFORMATION!!! And I want my points added back on my Fico score that lowered the fraudulent unauthorized inquiry someone did lowered it. I '' m calling on the CFPB to step in police, supervise, hold Experian accoubtable for the identy identity theft, and fraudulent activity going on in my name and on my consumer report.
Consumer complaint received 2021-12-02
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. (AL)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) .And also all the accounts that need to be removed on my credit report because they're clearly not mine.
Consumer complaint received 2018-10-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Credit Acceptance not only calls multiple times a day, sometimes even twice within the hour, and from two different numbers! If that isnt harassment, I dont know what it. Just today, XX/XX/18 they called back to back, once at XXXX, and again at XXXX. Theyve done the same XX/XX/XXXX, XXXX XXXX from XXXX and XXXX & XXXX from their XXXX number. XX/XX/XXXX XXXX & XXXX from XXXX. XX/XX/XXXX, XXXX called at XXXX, and XXXX XXXX, & XXXX. This is just from the month of XXXX. This list does not show all the times they called in one day, but only when it was repeated in the same hour my two different numbers. They call numerous times a day.There are several other months this has occurred, but now its getting overwhelming.
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (NJ)

This mortgage loan servicer ( Gateway Mortgage ) gives misleading information. Initially I was told that my mortgage payments could be pushed to the end/back of my mortgage loan, due to the loss of unemployment ( no fault of my own ) ( Covid related layoffs ) ( cut back from company, However the customer service representative from Gateway Mortgage I spoke with today told me a different story. She said I could defer payments for a few months. However, she said the payments for all missed months would be due at that end of the deferment/forbearance. This is not assisting customers by demanding full payments, especially if there was a loss of all income. I will have to reach out to my congressional leaders. Senators and have them investigate this matter if needed. These mortgage companies are supposed to be assisting the borrowers, customers. You are not assisting them if you are not deferring payments to the back of the loan. I can't pay 3 months up front if I specifically stated I lost my income. I was the primary wage earner. The XXXX of the company is XXXX XXXX ( This mortgage loan servicer ( Gateway Mortgage ) gives misleading information. Initially I was told that my mortgage payments could be pushed to the end/back of my mortgage loan, due to the loss of unemployment ( no fault of my own ) ( Covid related layoffs ) ( cut back from company, However the customer service representative from Gateway Mortgage I spoke with today told me a different story. She said I could defer payments for a few months. However, she said the payments for all missed months would be due at that end of the deferment/forbearance. This is not assisting customers by demanding full payments, especially if there was a loss of all income. I will have to reach out to my congressional leaders. Senators and have them investigate this matter if needed. These mortgage companies are supposed to be assisting the borrowers, customers. You are not assisting them if you are not deferring payments to the back of the loan. I can't pay 3 months up front if I specifically stated I lost my income. I was the primary wage earner. The XXXX of the company is XXXX XXXX. ( XXXX ) Perhaps he needs to be contacted about this matter. Or I'm sure he'll hear from my local congressional leaders if I contact them. I had a similar situation with my previous mortgage loan servicer. I reached out to my Senator and his office investigated the matter.. Perhaps he needs to be contacted about this matter. Or I'm sure he'll hear from my local congressional leaders if I contact them. I had a similar situation with my previous mortgage loan servicer. I reached out to my Senator and his office investigated the matter.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX bank willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX I am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n.

As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ).

As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and XXXX reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported.

2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate.

3. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management is attempting to collect a debt for XXXX XXXX XXXX that has already been proven to not belong to me and has been removed from my consumer credit report from 3 major credit bureaus. Both of these companies were sent a validation request as well as a cease and desist. Neither company has been able to provide and proof of any debt owed by me.
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

I have a XXXX XXXX XXXX I purchased in 2012. I used my employee discount to purchased the car. When I look at the car pay off it still shows I owe XXXX dollars in pay off. This can not be right. This was a simple interest loan taken on the car at 10 % for 72 mths When I look at the payment history of the payments made, I see when I make a payment some of the money will go towards the card and some will go towards interest. For example. One month I paid XXXX dollars on the loan they put XXXX dollars to the principal and XXXX to the interest then the next month I paid XXXX dollars again. They put XXXX to the principal and XXXX to the interest the next month I paid XXXX dollars and they put XXXX to the principle and XXXX to the interest This is NOT correct there should be a certain amount each time going to the interest not jumping like that. I will never pay the car off at this point. At 5 years this car should be paid for through Santander Consumer USA if I received a 5 % discount on dealer invoice. Something does not sound correct here. They are not doing something right. Even if I deferred 3 payments I should not owe XXXX dollars left on the car in this amount of time.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

My wife and I have a joint Chase XXXX XXXX card through Chase Card Services. We pay our bill in full every month and maintain outstanding credit. 

Over a period of three ( 4 ) days -- XX/XX/XXXX -- 8 unauthorized charges were made on our card at XXXX. When we received our XX/XX/XXXXXXXX statement, we immediately notified Chase of the issue and were told the amount total due of {$810.00} would be placed into dispute and we would not be responsible for the charges, pending their investigation. The account was shut down to future charges and we received a new account number and credit cards. 

In a letter dated XX/XX/XXXX from Chase, we were informed that the investigation had led Chase to conclude that the charges were indeed ours and were being placed back on the card as valid. Immediately, we contacted the Chase Fraud department by phone and were assisted by XXXX XXXX. She advised us to assemble all pertinent information, including any " hard data '' that was in our possession that would clearly show the charges to be fraudulent. We did that and at the direction of XXXX XXXX forwarded all of this via email to a XXXX XXXX XXXX, a supervisor/manager in the fraud division and a long time employee of Chase ( verified via XXXX profile ). 

Ms.Crite indicated the {$810.00} would be placed BACK into dispute and again, we would not be responsible for the charges until further review. 

We heard no response from XXXX XXXX or XXXX XXXX directly after this phone call. On XX/XX/XXXX we received another letter from Chase stating " We confirmed that the disputed transactions were valid ''. This letter was signed by a " XXXX '' and direct phone number was provided. Despite leaving messages, our calls to XXXX were not returned. 

Further, when we received our credit card statement dated XX/XX/XXXX, there were interest charges due to the lack of payment of the amount in dispute. 

Phone messages have been left for XXXX XXXX at her direct number. No response has been received as of XX/XX/XXXX. As stated earlier, messages to " XXXX '' have been ignored. Follow emails sent to XXXX XXXX have not been answered or responded to in any way. 

It appears that Chase is simply ignoring this matter in the hopes that we will pay the {$810.00} and go away. We will not. We are prepared to hire a private attorney to investigate this matter to its fullest extent. 

Any assistance that the CFPB can provide would be greatly appreciated.
Consumer complaint received 2018-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

XXXX XXXX  from Portfolio Recovery contacted my cell phone. My spouse answered the phone and identified himself and asked whom he was speaking with and Miss XXXX tried to end the call after asking for me and being told I was not available. My husband pressed to find out who was calling and why. After being ID 'd she immediately went into FDCPA and SOL statement before identifying the company.

After interrupting, and being told she would not give the account ID or her supervisor an offer to settle or cease to call the cell phone was given. She stated she would not honor a verbal cease and desist on a cell number ( that was not authorized to be called ) and that it needed to be in writing.

Her supervisor took over the call, XXXX XXXX, and did a good job of diffusing the situation. We were unable to resolve the debt, the verbal C & D was noted, but still told had to be in writing ( on a cell # not authorized to call ).

Rude, unprofessional, wrong on not honoring C & D.

An email communication was sent on the Portfolio Recovery website for the written C & D.
Consumer complaint received 2024-02-27
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. (NV)

In accordance with the ( FRCA ) 15 U.S.C 1681 section 602A States " I have the rights to privacy, and 15 U.S.C 1681 604A section 2 states " A consumer reporting agency can not furnish my account without my written instruction.
Consumer complaint received 2022-11-19
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (VA)

This complaint is for Lexis Nexis and customer service representative XXXX. I just sent 28 minutes with XXXX on the phone from XXXX on XX/XX/2021. During the phone call XXXX gave me erroneous information and when I point things out to her she attempted to change the facts. 

I have spoken with XXXX on several different occasions and as recent as of Wednesday, XX/XX/XXXX. I called to check on dispute of bankuptcy listed on my Lexis Nexis report. She said that Lexis Nexis is contacting the " Courts ''. I find that odd because it is not the practice of the US Bankruptcy courts to provide information to data furnishers such as Lexis Nexis. 

XXXX went on to say that my dispute was started in XX/XX/XXXX. I challenged her on that because I emailed Lexis Nexis on XX/XX/XXXX at XXXX and I have a reported date XX/XX/XXXX that the Bankruptcy was disputed on XX/XX/XXXX. She went on to say that I requested a dispute to the bankruptcy listed on my credit reports. To which I told her I did not to that because there were no bankruptcy listed on my credit reports at the time. I told her that Lexis Nexis initiated these disputes on their own accord without my knowledge and permission.

I then requested to speak to a supervisor to which she told me a supervisor would call me back in 24 hrs. I find that odd because Lexis Nexis is closed on the weekends.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX, 2017 my VA Benefits were direct deposited into my Bank of America account. When I went to get the money out to pay my bills around XXXX, my debit card would not work at the ATM. Attempted to login to our online banking and was not able to do so. I waited in the Bank of America local branch parking lot until they opened at XXXX. When I was finally assisted I was informed that our account had been frozen due to fraudulent checks. When they showed me the checks they were from people all over the United States that I had never even met. The signature " my signature '' on the back of them looked nothing like my handwriting. I was then informed that they would have to close my account on the spot, knowing I have XXXX and VA payments direct deposited, and that until they were done with their investigation I was only allowed to have approximately {$600.00} of my $ 1900+ paycheck. I asked what I was suppose to do about my benefits that are direct deposited and was told to basically take my business elsewhere and open a new account. I did so, and updated Social Security and the VA of the changes. My social security was still sent to the closed account anyway and I was issued a cashiers check that i received a few days later in the mail. On XXXX XXXX, 2017 Bank of America actually closed the account. It had only been two weeks even though the Treasury 's Green Book states that the institute must keep the account open for 30 days. The account can be closed sooner if it is an issue of fraud, which it was, however the same regulation states that if this is done the bank must still accept the direct deposit and make it available to the consumer. On XXXX XXXX, 2017 my VA check should have been direct deposited into the new account. It was n't and instead was sent to the closed Bank of America account. Attempted to go to the bank to get my funds and I was told it was sent back to the Treasury and now we must wait up to 30 days for Bank of America to return the check to the treasury then for the treasury to either put it into our new account or mail a check which could take even longer.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX XXXX  willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX I am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n. 
As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ). 
As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and Credit reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported.

2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate. 
XXXX. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (WA)

XXXX charged me {$390.00}, no knowledge of the transaction, disputed with NFCU, and provided a statement no further information can be provided. However, they still closed the claim, claiming no error has been found.
Consumer complaint received 2018-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

Applied for a loan mod which my loan is a conv and investor is XXXX XXXX thru XXXX XXXX and was denied. The answer was generic stating the mod payment would go up {$100.00} a month and the felt I could not afford it although I recieved a {$200.00} a month merit increase. I feel the are wrongfully trying to foreclose to get my XXXX  equity.