davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dodge Enterprises Inc. (FL)

The company involved is Dodge Enterprises Inc . The website is www.dodgeenterpriseinc.com/index.htm. The email contact is XXXX and XXXX. The phone number is XXXX XXXX XXXX XXXX and the fax number is XXXX XXXX XXXX XXXX. The mailing address is XXXX. XXXX XXXX XXXX, FL XXXX. 
The matter involved a judgment that ended up in an unfair wage garnishment. This company agreed in writing in 2015 to settle a {$15000.00} debt for {$1000.00}. In 2015 I offered to settle the debt for {$500.00}, but because I could not give them {$1000.00} within 14 days, my wages were garnished in the amount of over {$10000.00}. 
I explained the sever economic hardship that I was under and asked them to reconsider the offer of {$1000.00}, but because of their sin of greed and intent to harm and oppress the poor, they continued the garnishment as a means of punishment to me, yet financial gain and profit for them. I wrote them multiple letters trying to get them to refund monies garnished less {$1000.00}, but they refused.
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed
Consumer complaint received 2018-03-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My identity was stolen which included but was not limited to Federal income taxes being filed without my permission. On XX/XX/2018 I requested the validation of these 2 accounts on my Experian credit report : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX I received a letter stating that the debts were verified with no supporting original documentation. Telling me that the accounts are correct without validation does not support a valid investigation per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). They are only stating the exact information that I questioned to begin with.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I sent in the proper paperwork i haven't got a response from XXXX XXXX the are suppose to update the account with the correct information that i sent to them under Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (LA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (KY)

XXXX XXXX send me to collection for the money I did not owed, I try to called XXXX  for fix the issue and they said that they made a mistake. However the debt collection still ask me to pay
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

I get notifications on my phone any time a withdrawal is taken from my direct express card I pay all of my bills with this card and I also shop online with this card, all of my purchases and bills are the same every month so my question is why would they allow a purchase from somewhere I never shop to go through and on top of that they let it happen not once or twice but 3 times and after the first time when I called and complained about it I never got my money back and it has happened twice since then. Today XX/XX/2021 is the first time I actually read the terms and conditions and It says that they would freeze the card if they suspect suspicious activity, well if thats true why didnt they freeze my card when they saw these purchase on my account especially when I called and complained that I didnt make this purchase the last time this happened was XX/XX/2021 about two weeks ago.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I opened an account with Venmo and was adding funds through my XXXX  account to bet on XXXX. I won twice and was told I couldnt withdraw my winnings through XXXX but I could use my Venmo account. I withdraw all funds to go to that Venmo account which was XXXX. I attempted to bet again on XXXX which is supported by Venmo and they permanently suspended my account and kept my funds. Please help me
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (TX)

XX/XX/2021 : A door to door sales man came to my house and asked if I would like to try XXXX internet service for 30 or 90 days for free ( I do not recall the stated trial period ). I told him I was happy with my existing provider. He said that I do not need to give up my existing service to try XXXX. They would just mail me a modem. I allowed him to send me the modem. 

About 1 week later, I received the modem but did not remove it from the box. I did not try the service. The modem remained in the box. 

XX/XX/2021 : I received a late bill from XXXX XXXX XXXX XXXX XXXX stating I have a past due balance of {$60.00} plus additional charges for the current month {$58.00} for a total of {$110.00}. 

XX/XX/2021 : I received another late bill notice for {$170.00}!!! I telephoned them to inform them that I have never used their service and the modem remained in the box. They provided instructions for me to return the modem which I did, following the instructions to return the modem to a XXXX store. I kept the shipping receipt with tracking number as proof. The modem was returned to XXXX on XX/XX/2021. 

XX/XX/2021 : I received another Past Due Notice for {$110.00} from XXXX 
XX/XX/2021 : I called them and explained the details above. The person said she will take care of the issue and to please allow 7 to 10 business days to resolve the issue. 

XX/XX/2021 : I received a Collection Agency ( Sequium Asset Solutions , LLC ) notice that I owe XXXX XXXX XXXX XXXX XXXX {$110.00} dated XX/XX/2021. They wrote that I have 30 days from receiving the notice to resolve the debt issue or they will obtain a Judgement of the debt and a Negative Credit Report will go to my credit record.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV INC. (MD)

I completed my shopping at XXXX XXXX where I had previously shopped and paid by check, and let the cashier know I would be paying by check. She advised me to sign my name on the check. I added my phone no. as I am accustomed to doing when I write checks. As I was advised previously as long as I am a XXXX XXXX " member '' I can write a check at the store and for up to {$50.00} cash back. I requested {$20.00} back so I could go buy gas. Cashier ran the check through the machine at her register but then advised that the transaction was declined. I called my bank because just today I had decided to cancel my check card after it had been missing for about the last week however they advised the cancellation of my check card would not trigger a decline of a paper check and they saw absolutely no irregularities with my account which had more than sufficient funds for the {$82.00} I was writing the check to cover. After enduring the embarrassment and humiliation at the store with store employees and other customers present, and a cart full of groceries, not to mention the hour or more it took out of my homebound commute, my son in tow, I called Telecheck at the no. on the receipt I was provided. I pulled over to punch in all the nos. requested and went through several loops as I drove home ( on a dangerously empty tank ) just to get to a representative. I attempted to learn what happened and how I could resolve the issue so that I would be permitted to write checks on my account and pay for groceries and gas during a period of time I had no other method of payment for basic necessities for my family. I was placed on hold to speak with a supervisor and was on the line a total of close to 90 minutes without any additional information shared to explain their actions, or any resolution whatsoever. This company needs to be held accountable both to merchants and to customers of those merchants. Its unfortunate too that XXXX XXXX could not have entertained other methods of verifying may payment with me, e.g. my photo id, my ph no., etc., but they rely on Telecheck to do that and Telecheck does nothing to support innocent customers who have absolutely no fraudulent intent just so they can make money providing a service that probably harms more people like me, to catch a few fraudsters.
Consumer complaint received 2020-11-04
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: JPMORGAN CHASE & CO. (TX)

JPMCHASE Reporting continued late payments on vehicle lease account XXXX. 

Ive had several cases open over the past year and each time Im told issue is a mistake and resolved only to have late payments reappear and harm my credit.
Consumer complaint received 2020-11-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, it's impossible that an investigation was ever done on this account from XXXXXXXX XXXX  Credit card with a balance of {$380.00}. XXXX had deleted and permanently removed from their data, but however, XXXX and Transunion continue to ignore my request. 

Look closely at the attachments and you'll see that its impossible that this account could ever be verified under consumer laws. It's reporting 2 different dates under the Dates of last active ( TU : XX/XX/XXXX ; & XXXX : XX/XX/XXXX ) Inconsistent with payment status or payment history. Once account has been charged off and closed there shouldn't be any more payment history like XX/XX/XXXX or " CO status. Also it's reporting questionable and misleading dates of 1st delinquencies. The high balance on charge off on XXXX is reporting {$0.00}, whereas, Transunion is reporting {$2200.00}. I mean the list can keep going on and i'm surprised that it was flagged as verified. How is this possible? See the attachments and this is a violation of my consumer rights. delete now
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WI)

I'm having problems with the bank which is holding checks, and other money that belong to me and they are not returning it to me either. They told me that the account was overdrawn and I dont believe what they say. I haven't done anything but make some deposits. They have been holding my money from me for about a month now. 
This is the 4th time, that the bank has held any checks along with other money that was in my account or in that bank telling me that the funds needed to be verified or that the issuer of the checks has to re-issue to me a new one because the check wouldn't clear in the bank. I dont believe that this is the problem. With this check problem, they are holding not just the funds of the deposits but the money that is already in my account. They are holding everything in my account now, and there is a negative sign on my balance and I can't spend any of my money. 
How long can they legally hold a check that was cashed waiting for it to be verified or cleared? Can they take the money in my account and hold it from me? If this legal or not? This is the 4th time that that have just wiped me out. It is not my fault that a issuer of a check issued me a bad check. If I thought it was a bad check, I wouldn't have tried to cash it. I'm not the one responsible for what the check issuers do or don't do. The bank is not to take this out on me and take everything I got angry at the checker issuers They are supposed to contact these people themselves to straighten out the matter and not me. I don't believe that just because the bank does not have a FDIC, that this is the reason for their behavior. The bank not having a FDIC is just a bank not having a FDIC it means nothing to my situation.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (CA)

I have been overpaying my loan to pay down the principal as fast as possible.  Today I received a letter that stated that my overpayments will not be applied to my principal but to other fees before principal reduction.  This is to make more money off of me illegally in violation of the original loan agreement.
Consumer complaint received 2021-07-18
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. (MD)

XXXX XXXX is False reporting and Fraudulent reporting on a 30 day late payment The information the 30 day late payment was removed from my credit report but put back on my credit report that is a Violation FDCPA Section 807 Misleading False Reporting ... ... ... ... ... ... ... ... Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination Failure to transmit the statement required under section 1637 ( b ) of this title.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I was concurrently working with TD Mortgage on two separate mortgage applications. One for XXXX XXXX XXXX, XXXX, NJ XXXX and the other one for XXXX XXXX XXXX XXXX, NJ XXXX. For the XXXX XXXX property, I received the clear to close, closing disclosures, and the closing date was supposed to take place on XX/XX/2020. After all parties finalized the paperwork, and after I have taken out the certified check from TD Bank getting ready to close on the next day. TD Bank loan officer gave me a call late afternoon on XX/XX/2020 stating that my application is " being denied due to concerns involving a previous account relationship ( s ) you had with the Bank that resulted in the Bank terminating that relationship.

I have since reached out to the TD 's branch manager and the relationship manager, but neither of them was able to provide with me any indication on what was going on, aside from the fact that TD Bank has decided to demarket my account and terminating relationship with me as a customer.

Due to TD 's gross negligence and bad faith dealing, I have lost substantial amount of money on these two properties ( i.e. appraisal fee, credit fee, attorney fee, inspection fee, title fee, e.g. ). TD Bank has not been transparent with its process. I was not able to amend the transaction with the seller due to TD 's inability to perform notwithstanding it has already given the commitment for me to close the loan.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

After reviewing my consumer report there is an account being reported as debt owed. This account is showing deliquent on my account and its affecting my credit worthiness. I contacted the company that the debt collectors are saying there are trying to collect for and recieved proof from the company that the account can not be verified because the have no information on me. I belevive that this account was apart of be identity being stolen and used which is why I have a fraud alert on my account from a previous address. I woill like for this account to removed immediately from my consumer file because it is not accurate and not validated to be mines.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

In XX/XX/2020 I tried to thaw my credit freeze at Equifax. I was unable to access my account online ; and was requested to call. I did so, and was unable to get access to my credit account. I was verbally told to mail or fax my request with proof of my identity. I mailed the information certified as requested. I did not nor have not received any response from Equifax. I am unable to access my credit report either online, by phone or in writing. I subsequently was unable to finance a new vehicle ; and had to purchase a brand that used the other credit agencies. My credit score is and has been over XXXX. 

I was able to thaw and refreeze my credit at XXXX XXXX and XXXX without any problem. 
Please require Equifax to allow access to my account ; and at least respond to my requests. 

Thank You.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.