davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
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: LEXISNEXIS (CA)

On XX/XX/XXXX, I sent a certified the below attached letter to LexisNexis Risk Solution. I asked LexisNexis to explain to me how they could release any information regarding credit files they hold on me to anyone when my credit information is frozen. Furthermore, Lexis Nexis is reporting that I have a Bankruptcy. I asked LexisNexis to Verify and Validate the information. I was asking for a letter from the US Bankruptcy court identifying the name and title of the clerk that VALIDATED said information. As of Today XX/XX/XXXX LexisNexis, has failed to comply with my request and the law. 
Depending on the outcome from CFPB, I will be seeking damages for Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against LexisNexis and XXXX XXXX, CEO I would be seeking a minimum of {$1000.00} and up to {$5000.00} 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 )
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (CO)

Bank of the West # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against Bank of the West and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/2020 I applied for a refinance for a lower rate with chase. I provide all documents as they requested. On mid XXXX I got a call from one of the mortgage rep letting me know I will be closing the end of XXXX. In XXXX I was asked for paystub because it was 60 days and I sent it. I once again I got a call again asking me why I havent lock the rate thats all they are waiting. I was really confused as I thought my mortgage rep already took care of that. I messaged the rep and he said that was not true between him and his assistant I was giving the different information. The assistant did shared with me that she will be notifying her manager about the experience and all the wrong I formation, but no calls from management. At the end of XXXX got another call asking for rerun my credit due to expiring the time since I applied. I did give them authorization. I got a message of the mortgage rep letting me know that he will email management to do an exemption for closing. Three weeks later I am here waiting and no respondes from no one in the mortgage department. I am really disappointed of how chase has been handle my mortgage and how no one is communicating with each other and I continue to getting different information. At this point I want my money back and withdraw my application.
Consumer complaint received 2021-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX, 2016 was when they say the account was opened..They kept calling my phone non stop harassing me about a loan of a {$130.00}. It says it is a XXXX balance account but still showing on my credit report. I would like this to be removed from all three Credit bureau..
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

I have contacted XXXX provided a police report when my purse was stolen and I became a victim of identity theft since XXXX. I have contacted these collection agencies asking them to verify and validate the debt and I have received nothing but a violation of HIPPA from 1 out of 27 collection agencies. I have fought this battle of trying to remove the fraudlent activity since XX/XX/XXXX. XXXX  will not remove these inaccuracies at all they are fraudulent and are not my any means consented by me. XXXX  sent me a credit report informing me to call the collection agencies which I have only to be hung up. These collection agencies threatened me with jail and liens and even harassed my job. Im in desperate need to get this fixed I cant even get equipment for my daughter who is XXXX because someone has ruined my credit. I have done everything XXXX has asked of me only to receive no results. I have even paid for extra privacy and alerts through XXXX to still have no results but a waste of time and money. 
Collections : XXXX XXXX-1 item Dba XXXX XXXX-1 item XXXX XXXX-1 item XXXX XXXX-25 items XXXX items XXXX- 1 item Addresses : XXXX XXXX XXXX   XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX # A XXXX fl XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX  XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I hAve tried to even these addresses to try to see if maybe I could figure out who stole my identity and most of them dont even exist I have never lived here. 

Inquires- XXXX/XXXX of XXXX XXXX XXXX XXXX/XXXX of XXXX Please remove Im not currently car shopping and wont be for another 3 years these are not authorized by me. I talked to XXXX and of course they told me to call the company that made the inquiry and of course I visited the business and they couldnt tell me anything but it was made over the phone and I would need to contact XXXX for it to be removed. I did contact XXXX once more and for some odd reason when I ask to speak to a manager The line gets disconnected. 
I have sent numerous letters and phone calls to these companies and XXXX I have paid for extra fraud protection and added a fraud alert to still end up with no result.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (NE)

I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (FL)

XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I sent a cease and desist letter to LVNV funding LLC and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX funding they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

My complaint is based on using financial institutions to conduct my business properly due to identity theft, some of the disclosures which I received were not accurate, as a result this has been an atrocity that has hendered me from completing personal and business needs, with the help of the fair credit reporting act, hopefully this can outweigh all the challenges I've been faced with, in the future whatever information you need from me I can provide, I've also started a credit repair due these allegations which are not true.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I purchased Bitcoin through Coinbase almost 5 years ago. When I log on to my same Coinbase account during the past two weeks, I am not permitted to sell ANY portion of the amount shown, an amount I have held since that original purchase! 

So far, the only thing Coinbase has done, a week ago, is suggest I clear Browser History which I did while on the phone with Coinbase. I have a XXXX XXXX XXXX in programming and am familiar debugging computer code. On my own during this time I tried disabling virus protection, using othe PC browers and XXXX, and made other attempts. After over a week of both emails and phone calls to Coinbase ( XXXX ), the latest with a programming supervisor named XXXX, they have not been able to resolve this so called 'TECHNICAL ISSUE '. 

Coinbase 's ACTIONS has now caused a monetary loss and I intend to retain legal action while diligently publicizing the case.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (OK)

This company Afni , Inc. XXXX. XXXX XXXX XXXX, IL XXXX. They are a debt collection co. They are trying to collect for XXXX XXXX. The Creditor Acc # XXXX. 
The Afni, inc, acc # XXXX. 
I submitted a receipt of pay-n-full to all three credit bureaus and they deleted this account for the amount of {$650.00}. I just received this collection notice on XX/XX/XXXX. I believe they are trying miss up my credit report that I have been trying to build up for the last 6 years. Also, this debt was paid Date : XXXX. I pray that you can get them to leave me along.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (FL)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX XXXX history it is not uniform across the board which it should be ... terms of XXXX XXXX  is also being reported on a " charged off '' account ... .look at the XXXX XXXX history as well ... there are so many inconsistancies
Consumer complaint received 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2024 I mailed letter to XXXX and XXXX in regards to my collection account with Fair collection and out. I informed them that not only was the debt not one that was accurate but the account was noted on my file incorrectly. I know according to U>S>C 1681 ( a. ) I all information must be accurate in order for it to be reported. also that the reporting agency must go above and beyond in order for it to stay on y report. I receive notice from transition and XXXX that the information was. verified as accurate. I realized they updated the responsibility from joint to Individual however this account was a joint account before I was harassed Illegally by Fair collections and out. this shows that either the investigation was done incorrectly or they deliberately left it on there which would be violation of chapter 15 in USC code.

I also do not owe this amount as in is inaccurate. I have filed a complaint against the company themselves because I was charged for full Rent for year when I was allowed to break lease because of bullets being shot through my window. I was afraid for my life and spoke with manager at the time she told me she would allow me to break lease without any penalty. the sad part is that when I moved they not only charged me full they added fees and kept my security deposit even though there was no damage to property besides the XXXX that was shot from issues in the area that had nothing to do with myself. with them illegally trying to collect an debt I would like this compnany investigated as they are already facing a lawsuit for fees and harassment.
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NV)

At this point I would like to try and get this account with National Credit Systems settled. The contract and the break down of fees I do not believe are accurate and I would agree to paying the final month rent of {$1100.00}. The lease was for one year, from XX/XX/XXXX until XX/XX/XXXX. I gave notice XX/XX/XXXX and the contract expired XX/XX/XXXX had I stayed to the end of the month that would have completed the contact. The fact that they want to charge an early termination fee for a contract that was due to expire 30 days from when I moved out and charge a 60 day notice fee is absurd.
Consumer complaint received 2020-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Recovery Services, LLC (TN)

It appears that someone has stolen my identity and got a lease in my name. I disputed this information with the collection agency and they sent me back the information that is attached. As you can see the signature on this paperwork that was sent the me from Absolute Recovery Services does not match MY SIGNATURE as evidenced by my driver 's license. This information must be removed from my report because it is not me.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this my concern, My name is XXXX XXXX and this is not a third party submitting this complaint.I am being taken advantage of by transunion, XXXX and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer USA sold their contract to XXXX XXXX XXXX  on XX/XX/XXXX, which makes Santander Consumer no longer the owner of the contract. Santander consumer USA is still reporting that I owe them {$25000.00} which is a fraudulent amount the car was sold at the auction and I never owed {$25000.00}!! they sold the debt and the debt was written off, they are reporting this fraudulent account as open then closed the account is charged off and sold. I sent Santander consumer USA a certified letter on XX/XX/XXXX asking their company to verify the debt and if they no longer own the contract to stop all collection activities! Santander consumer USA never responded to the letter even though they received it! What Santander is doing is illegal and they have violate federal law! I have filed a complaint with the attorneys general office
Consumer complaint received 2018-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried numerous times requesting TransUnion to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are used to " verify '' an alleged debt. But with TransUnion refusing to do so. TransUnion has violated my rights as not providing documents in how this alleged debt has been verified. I have sent multiple letters requesting proof of how TransUnion verified the alleged debt. I have not got any documents and only one dispute result which stated, " verified ''. I have been asking for documentation for the last 2 to 3 months and received nothing. I am asking, " where are the documents that you used to verify this account? What is the name of the person in your company who verified this account? What documents did they use to verify them? TransUnion has refused to answer this questions and to send any documentation.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The 3 Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-01-28
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: ONLINE Information Services, Inc. (FL)

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I refinaced my home in 2016 with Ditech. I was promised a much lower payment. Which how I got that lower payment is an issue I found out at the end of this year. In 2016 I was paying {$640.00} a month in escrow. I even got an escrow refund of {$440.00} dollars because they made it seem like I overpaid. Did not really stop to think about it. The new mortgage they charged {$420.00} for escrow even though nothing changed in my taxes or homeowners that they were aware of. So come the end of this year I have a {$2400.00} escrow shortage. Which will bring my payment back up to where I was before the refinance. The only reason I can see for them charge so much less escrow when the bills were the same was to keep the promise of a lower payment for 1 year and now my payment goes up XXXX a month. XXXX for the escrow I should have been paying and XXXX more for the escrow that I am backed up. I feel that was a deceptive practice to try and convince me to go ahead with the refinance because my previous mortgage was discharged in bankruptcy.