davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-30
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)

Although I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with Experian and XXXX. This is against FCRA to alter the charge off date from the original charge off date over a year later.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested Transunion MANY times for validation of proof for the XXXX/XXXX account on my credit report. They only submit it is validated and have yet to provide any proof of the account. I have yet to validate this account belongs to me therefore they are in violation of the FCRA and needs to be removed immediately
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have asked them to provide documentation/bill for amount they claim is owed - I believe this is paid or is more than 7 years old. I have asked them to stop calling - they call sometimes 2 or 3 times in a row mostly with no message.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Starting around XX/XX/22 my husband XXXX XXXX XXXX was draining our marital money out of 7 joint chase bank accounts. By the time he filed for divorce the accounts were XXXX balances, and negative balances, he recently opened a new account under our eldest and his name. Had drained XXXX into his own separate accounts at another bank : XXXX, XXXX XXXX XXXX and others. Wire transfers to his father of almost XXXX. He forged my inheritance account checks totaling XXXX. 

I have called chase bank and spoke with a private banker several times and nobody is helping me. I live in fear everyday as a single mother or XXXX boys while is a physician making XXXX a year. This is financial abuse and want charges made
Consumer complaint received 2020-11-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Im writing on behalf of XXXX veteran XXXX XXXX. His vehicle was repossessed late Tuesday Night/Early Wednesday Morning ( XXXX, 2020 ). He received no notification. He was even hospitalized. He called several times to rectify the issue. Last person he spoke with was XXXX, CSR who transferred him to XXXX in the recovery Dept. He borrowed a loan for {$5100.00} according to XXXX, ID XXXX XXXX recovery department ). The amount to recover his vehicle is currently {$5600.00} XXXX bal {$4900.00} ; Late Fee, {$47.00} ; Retun fee {$25.00} ; Repo $ XXXX {$5400.00} to release ; Towing {$150.00} plus $ XXXX XXXX. According to XXXX in recovery dept., USAA attempted to automatic withdraw {$320.00} XXXX payments $ 122 monthly ) & there was not sufficient money in the account ( created an overdraft fee for MrXXXX XXXX XXXX. I personally made a payment for Mr. XXXX from my account for {$320.00} on XX/XX/2020 ( MrXXXX XXXX is on a fixed income from social security dept of under $ XXXXmonth ). According to XXXX it was returned. I asked why she had no response. Another payment on XX/XX/XXXX she claimed was returned XXXX USAA refused because I dont give access for automatic withdrawal ). Mr XXXX made several attempts to rectify the account before repossession XXXX unknown vendor ). Complaints were filed with NJMVC because the dealer XXXX XXXX XXXX took the money & refused to give XXXX XXXX the title & invoice. The temporary tags shows the vehicle should have received permanent plates in XX/XX/2020. The XXXX XXXX PD, XXXX NJ towed his vehicle. XXXX XXXX refused to release it, claiming, he, Mr. XXXX must go & get it titled before it would be released. Lt. XXXX XXXX was contacted, he told Lt XXXX to call XXXX XXXX XXXX XXXX, XXXX NJ to release the vehicle. He did reluctantly ( We observed the owner, sitting in family dollar parking lot in XXXX XXXX XXXX NJ, staking out the car daily ). I received a letter from Lt. XXXX claiming the incident did occur but the officer was exonerated. The vehicle was registered XX/XX/2020. USAA is making unreasonable demand after they refuse payments from a Veteran who also suffers from XXXX. 
XXXX from the recovery Dept hung up on Mr. XXXX. He has no way to get to his medical apt & he needs his dot monthly. I had someone took him to the VA clinic on Wednesday. He was late because his ride was taken away without any form of notification & USAA refusal to accept payments made on behalf of the Veteran unless it was from the Veterans checking account. Terrible treatment of Veterans!!!
Consumer complaint received 2021-01-30
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)

Although I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with XXXX  and Equifax. This is against FCRA to alter the charge off date from the original charge off date over a year later.
Consumer complaint received 2017-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OH)

On XXXX/XXXX/XXXX I received a response to a letter that I sent to Ability recovery service asking for Validation of a debt they alleged that I owed of {$430.00}. Not only was the company unable to provide me validation of the debt they sent me a generic peace of paper that doesnt have my Signature on it nor does it have me listed at as the patient who received these services which was the information that I requested for validation purposes. I also asked them for their method in which they verified the debt was mine and I owed for those services. They have reported this incorrect information on my credit file which has hindered me from obtaining financing. I asked that if this company can not provide me with validation of this debt that they remove this debt from my credit file!
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

FHA XXXX I need to understand if there was an FHA HUD claim filed. I'm showing a claim date in this document of XX/XX/XXXX a sale date of XX/XX/XXXX and a transfer servicing date of XX/XX/XXXX the sales price reflects {$49000.00} while the claim amount shows {$150000.00}. so was the mortgage insurance insurance premium paid to the investor which was HUD? If so and they sold this note to the current investor for {$49000.00} how is the new servicer roundpoint mortgage now seeking over {$260000.00} for this note? A XXXX XXXX has been filed. If a mortgage claim was filed in HUD US Department of Housing and Urban Development and FHA received the mortgage claim funds and the servicer bid on the Note how do I owe them this money? I want an investigation open so that I can clearly understand if I've been violated as a homeowner and a note holder of an FHA loan. This loan has been in default or in trouble since XX/XX/XXXX which was just a year after the note was purchased I've gone back and forth with US Department of Housing and Urban Development FHA the Consumer Protection Finance Bureau in any other government regulatory department to get help. I'm exhausted at this process I have over a hundred emails to State local and government agencies trying to get this issue resolved and now I would like to file suit with the US Department of Justice. I'm wondering how many homeowners in an urban demographic has been treated this way and if there is a double standard with HUD US Department of Housing and Urban Development and FHA. Are they selling the note making a profit as well as receiving claim money for the mortgage insurance? How many FHA loans are orginated to prodominely XXXX, XXXX Borrowers that end up in default and purchased by Private Investors. MERS information is inconsistent as well.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a copy of my credit report from Transunion. The credit report showed a credit inquiries that I did not authorize. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I ask that they please remove this inquires listed below : XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX I ask that TransUnion please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 

If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 

Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except that ( A ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer. 

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Thanking you in advance, _________________________________
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery are currently reporting accounts in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TX)

On XX/XX/2019, I received notification from the credit bureaus that a debt from Sequium Asset Solutions was being reported on my credit reports. Prior to this I had no idea who Sequium Asset Solutions was, had no contact with them or had done any business with them. On XX/XX/2019 Sequium Asset Solutions LLC received my faxed letter requesting validation of an account XXXX. I have not received a response. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is  inaccurate. As of XX/XX/2019, they are still reporting account on my credit. Which puts them in violation of various state collection laws. After suffering actual damages due to their willful negligence, I am making every effort to resolve this matter without presenting this matter in court. I am confident that by channeling this dispute through the CFPB, a more simple resolution can be made. If they delete the account, cease reporting it to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (LA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

Re : Re : XXXX # : XXXX XXXX XXXX ( XXXX ) Amount {$8500.00} Resurgent Capital Services, XXXX XXXX XXXX, L.P., and LVNV FUNDING LLC are seeking debt payment in the amount of {$8500.00} for a XXXX XXXX credit card that I secured through XXXX XXXX. I reply to them numerous times and told them that the account was paid in full since XX/XX/XXXX. From the day I secured the account, I set up auto-pay and pay the account until XXXX XXXX stopped taking payments in XXXX of XXXX. 

When I received the request for overdue payment from XXXX and then Resurgent, I told them the items purchased XXXX had 24 months interest-free and another one had 12 months interest-free. Further, I explained to them that according to the calculations of the total payment XXXX XXXX withdrew from my account. The credit card was paid in full in XX/XX/XXXX plus additional payments until XX/XX/XXXX. I asked them to provide me with a copy of the XXXX XXXXXXXX dated : XX/XX/XXXX to XX/XX/XXXX, which, it would show if they withheld the interest charge as stated on the purchase agreement. They have not been able to provide me with statements ( XX/XX/XXXX - XXXX XXXX ) and the credit collectors refused to remove the negative off my credit reports from all the bureaus.
Consumer complaint received 2021-11-10
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. (TX)

The account showing on my report with all 3 credit co., is XXXX XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (UT)

I am handling my parents estate. In XX/XX/2021, both my parents passed due to XXXX. I am the executor of my parents trust. In the middle of XX/XX/2021, I went to a local branch and submitted both death certificates and all trust documents, as well as the banker took a copy of my drivers license. I have made numerous visits and calls to try and let me have access to the account and as of XX/XX/2021, I still do not have access. On XX/XX/2021, I resent all the documents and even included a certificate of Trust and Acknowledgement Certificate. I STILL DO NOT HAVE ACCESS. This has been a very stressful time and Chase has only made it worst. How do I get access to my parents money to pay bills.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

This bank is the only bank that keeps charging me overdraft fees. The account with literally show available balance I use my card then after a while it will act as if I never had the money. They told me if I deposit money same day I wont be charged overdraft fees yet Im still charged overdraft fees. I dont have overdraft protection XXXX dont want it. 

They they have a special time of payment processing called time order processing. These people will literally lets you spend off your card and have the transactions pending and show you have available left and days later tell you that you didnt have money, they want me to keep calendar records and take notes of what I spend. With XXXX or XXXX XXXX if I spend money it takes it out my balance.. not show me I still have the same amount of money! It doesnt let me spend money I already spent.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX Bank  flagged my XXXX card as fraud, but when I asked Experian for a removal they did not comply. If the card is flagged for fraud and an investigation by XXXX, Experian should remove the account.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (VA)

The Covid Economic Impact Payment prepaid debit card was issued to me and I used the information to find an ATM machine in which to access the money " without paying a fee ''. See attached screen shot. The website stated the XXXX at XXXX XXXX XXXX XXXX VA was such a location. The machine is labeled " PNC Bank ''. The first withdrawal was no fee. The second withdrawal I was charged a {$2.00} fee. The fee needs to be returned by either PNC Bank or other applicable party. I would not have used that machine if I had known I would be charged a fee.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Loan was sold to XXXX XXXX before my knowledge. I sent in a request to the original owner/servicer for Covid Forbearance ; XXXX XXXX, XXXX without knowing about the transfer. I received a letter stating transfer of ownership and change of servicer to CMC Funding c/o SLS ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO XXXX on XX/XX/2020 ( " CMC '' ). I reached out to the new servicer CMC that week and was told to call back next week because I was not set up yet in their system and could not make a forbearance request. First payment was due XX/XX/XXXX. I made several follow up calls and was then told I would not be set up until 5-7 business days after XX/XX/XXXX and could not make a forbearance request until after i was set up. CMC has had my information since XX/XX/XXXX and I'm still unable to make a request according to them. Even though the calls are recorded and they make notes, I keep getting different information each time I call. Some telling me they would submit my request and even email the onboarding team and the forbearance request team ; others telling me to keep waiting.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (GA)

Hi I am contacting you regarding the company or collection agency JHPDE Finance LLC who is reporting a debt the original creditor is listed as XXXX on both the police and FTC affidavit that was settled and deleted because I was a victim of identity theft. I have attached the police report with case number and the Federal Trade Commission Report with File number to have them remove this. They did not call me to discuss this debt owed at all and it is damaging my credit worthiness. 

I want them to delete immediately again since this was due to identity theft.
Consumer complaint received 2019-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

A Certified/Return Mail was sent to this creditor, National Credit System requesting that the account # XXXX since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX XXXX XXXX, XXXX must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX