davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
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: EMCC Holdings, LLC (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of XXXX {$1000.00} XXXX per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the  investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Hunter warfie ld his continuing to violate the FCRA t he FDCA the tn state law. the company is claiming that I owe   XXXX   XXXX    XXXX . I do not. as per tn state law the carpet must be replaced every 5 years ( hunter warfield admitted this fact ). tn state law also states that once the company accepts any form of payment they are prohibited from any fur ther actions. on  XXXX    XXXX   the company   XXXX   XXXX   accept {$1600.00} payment which would have covered the months i was not able to pay. the amount agreed on in court  was  XXXX . as per tn state la w once money was accepted by   XXXX   XXXX   they waived the right to have any lien. Please only accept information from eagle point with my signature last time the company falsified documents to make it seem like my lease wasnt up when I left the apts
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (IL)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 us 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-10-23
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. (MA)

I NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/19 I was notified that my debit card had potential fraud when I had possession card. I called fraud and it was determined that someone was trying to use my card number. I am currently traveling and needed funds so I had to activate my credit card. I asked for a fee that was assessed on XX/XX/19 in the amount of {$35.00} to be waived as my funds were deposited on XX/XX/2019. I have been a customer for 7 years and the supervisor refused to waive the fee. I am asking for the fee to be waived as a courtesy as I was on the phone with Bank Of America for over 40 minutes due to a fraud issue that was not my fault. Please review.
Consumer complaint received 2017-04-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GATEWAY FIRST BANK (AL)

In  XXXX    XXXX  , I tendered payment-in-full as per UCC article  XXXX , to the mortgage servicer via  USPS certifi ed mail with return receipt green card. The valid negotiable instrument was dishonored by refusal, nonperformance, and not returned to me. In accordance with UCC  3-603 ( b   ) there was discharge. After numerous communications and legal Qualified Written Request, I was told that my mortgage was sold. The entity converted the mortgage into a  XXXX  to a company that is in conservatorship by the  US  Government.   In the telephone conversation with th e General Counsel  of the ( " originator '' ) servicer, I stated my claim to become the holder-due-course as per  Uniform Commercial Code.   The conversation ended stated that Non-full disclosure is considered  Fraud  in contract law, with make any contract void and a nullity at law.   The company attempted a wrongful foreclose on my mortgage on  XXXX    XXXX  , but the sale was cancelled. The advertised Sale stated that  XXXX  Gateway Mortgage Group  was the foreclosing party. During the litigation process for libe l ( slander )   XXXX  replied via answer to complaint, that they had nothing to do with to foreclosure trustee sale.  XXXX  inactivated my account. There is a fraudulent assignment recorded at my  local county r ecorders office that was sign by a  XXXX   XXXX ,   VP and Secretary   of  XXXX . The same Looking signature of a  XXXX   XXXX   XXXX  of Gateway Mortgage Group , LLC was the in the record from the previous cancellation and satisfaction of my first mortgage loan with the lender. Both signatures where notarized by employees of Gateway Mortgage Group , LLC.   This is constructive fraud and an attempt to defraud and unwitting accommodation party ( Borrower ). No beneficial interest is held by the loan servicing. Therefore, it does not have the RIGTHS of sale on a contract.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2018-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone fraudulently took {$700.00} dollars from my unemployment debit card without my knowledge on XX/XX/2018. I contacted the bank on which the debit card was issued and they told me to get a police report and that they were going to mail me a fraud statement report to fill out and return with the police report. On XX/XX/XXXX I received a letter from the bank saying that they were denying and closing my claim. The first person I spoke to at the bank told me that I had no proof that it was fraud and that there was nothing further that I could do to recoup my money. When I called back and talked to a second person they said that they only way I could get the fraud paid was if I could get a video of the person taking money out of the ATM where it happened. I am now trying to work with the police on this, but it is slow going. And in the meantime, I don't understand why the bank institute isn't doing more to help me recover my money and why they closed my claim without any effort on their part. They simply canceled my debit card and issued me a new one.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (AZ)

I recently discovered an unauthorized hard inquiry on my credit report from XXXX ( XXXX XXXX ) which upon further review the entity for PayPal. Upon calling customer service I was told that " when setting up my account I must have selected that I wanted PayPal credit which automatically sent an application for the line of credit ''. I never once intentionally opted to apply for this line of credit and it is obvious that it was done in a deceptive manner when making purchases. I have been using PayPal for approximately ten years and never set up my account to use PayPal credit. Consequently my credit score has dropped nearly XXXX points from XXXX and XXXX.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (IL)

Contacted United Revenue Corp regarding {$290.00} debt that they state is owed for XXXX XXXX XXXX XXXXXXXX for XX/XX/2013. XXXX XXXX XXXX XXXXXXXX state that they did not have any accounts in 2013. XXXX XXXX XXXX is unable to send proper documentation regarding their stated debt. There are no signed contracts. United Revenue Corp is  incorrectly reporting to my credit report.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I opened an credit card account  with Citi Ba nk on  XXXX / XXXX / 17 . I have never received a bill/statement/e-mail or anything from them since. Today I receive an e-mail saying that they would be waiving my late fee since I have never been late before. This is not my only account wit h Citi, but this is the one en ding in  XXXX . They tell me that since it is late though that I owe  XXXX  dollars in interest charges for that time period. I paid my entire bill immediately through a wired transfer to avoid any other interest charges in the meantime while I worked this out with them. They enrolled me in paperless billing without my consent ( I have never enrolled in paperless billing in my entire  XXXX  yrs ) and knew nothing about this service. You can check my credit history and it will show that I have always paid my bills that I receive by U.S.P.S. on time. I have never been late, paid any fees, interest, charges, anything period. I have an excellent credit history of  XXXX  or better continually. So here is my compla int. Citi enrolled me in a service that I did not agree to. They never sent me a bill ( I 've checked all messa ges in my account since I opened the account ... no bill, only a message that said for me to enroll in the service which I ignored since I have never used this before. ) They will not return the interest fee that I paid this morning and blame me for not checking my e-mails. I would like to have my interest payment returned and for them to ONLY send billing by U.S.P.S. Please help me since I can not get anywhere with them directly.     Sincerely,  XXXX   XXXX
Consumer complaint received 2017-04-25
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. (IL)

I have attempted to dispute errors that are reporting on my credit report with Transunion. They are not properly investigating that issues and have ignored my claims. They have not provided me with a Proper Method Of investigation which per the FCRA has to show you physical proof of who they spoke with, when they spoke to them and what verifiable proof was shown to Transunion, none of which they have shown me. They have repeatedly told me that an items has been " verified. '' Though that is not legal verification per the FCRA. These items need to be erased immediately because they are causing undue harm to my credit file and my personal life. I have attached my dispute letter and identifying information to prove my identity.
Consumer complaint received 2018-03-21
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One appears to not provide on its credit card statements the amount of a transaction in foreign currency for transactions done outside the United States. I would like to know if they are legally required to provide this information as well as the exchange rate used and if not I would like to suggest that the CFPB issue regulations to make this a requirement. I would like this transparency to ensure accurate processing of such transactions. I do n't have a specific complaint about any particular transaction at this time.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-03-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates is reporting incorrect information on my credit reports. This is for an alleged account number : XXXX. I sent a certified letter with return receipt which they received on XX/XX/XXXX.  This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature, showing my obligation to pay them. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They responded on XX/XX/XXXX with a random billing statement but no contract or anything bearing my signature. 30 days from the day they received my first letter, I pulled my credit report and noticed the item still being reported. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still have yet to provide me with proof bearing my signature. Im going to give them another 30 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AR)

XX/XX/2019 I applied for the XXXX  credit card in the Chase Credit Card website and be approved one month ago. I have yet received my credit card. I call the customer service of the Chase Credit Card company and they transfer my call to many many departments. The call lasted for almost one hour. But, none of them can answer why I can not get my card and how I can get my card. This severely influence my life because I was waiting for the card for emergent purchase.
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''