davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NH)

In XXXX, I cancelled cable service from XXXX XXXX due to moving to an area where the service is not available. I requested my final bill and returned their equipment. I paid my final bill and it cleared on XX/XX/XXXX. The company confirmed they received this. XXXX then billed me once more afterwards and I contacted them about this account being closed and paid. They agreed to me on the phone, but sold the erroneous bill to a collection agency. I contacted all XXXX credit bureaus and the collection agency as well as XXXX about this. The dates reported are incorrect since this was XXXX, reported as XXXX. I provided proof of payment repeatedly in disputes to the credit bureaus to only be denied updates. The collection agency told me they would investigate and give me information, they never did. XXXX told me theyd investigate and provide me with payment and billing evidence, they did not.
Consumer complaint received 2018-03-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien. 

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt. 

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.
Consumer complaint received 2021-04-24
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: FIRST PORTFOLIO SERVICING INC (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2020-08-24
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. (OH)

NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EQUIFAX XXXX XXXX XXXX, GA XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90  days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EQUIFAX for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Hi, I have purchased packages for a winter festival in XX/XX/XXXX, named XXXX. 
In XXXX the company cancelled the event due to covid-19, and originally promising a full refund by XXXX, which eventually they did not honor and decided to issue vouchers instead. I had paid over 10 different charges with my card and i immediately put in a billing dispute for all of the 10 charges. Chase has gone in my favor for 8 and for the other 2 charges they decided against me since it was a government mandated shutdown. I went ahead and re disputed those 2 charges and for one i got a letter in the mail that it was overturned in my favor and it was a mistake to rule it against me. However for the last charge of XXXX they just said since the company offered a voucher i will still be responsible to pay. Fast forward XX/XX/XXXX, XXXX for XXXX has been cancelled and now they have no choice but to refund me for the unused voucher, i learnt when i tried to fill out my form that my vouvher has been voided since i put in a chargeback. After emailing them i received an email that they will refund my card which still has yet to happen. I have sent all this information to chase and hopefully this can finally be resolved.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

We went on the Wells Fargo Website and transferred money on XX/XX/2020 from XXXX, the money was taken from our XXXX XXXX XXXX XXXX account, however, it has not been deposited into the bank account. Wells Fargo has the funds and should be required to deposit those funds within a very short time frame. They should not be able to use money that is not theirs while assessing overdraft fees.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (UT)

I received a letter from Wilbur & Associates, P.C. in XXXX, Illinois, claiming a debt of {$9900.00} was owed to them on behalf of their client. They claim that I was in an auto accident with the client on X/XX/2017. There is no accident report filed, and no proof given ( no report of the model of the car involved, license plate number, etc ). This is a bogus, scam claim. The company is threatening that they will send their documents to the state for review in order to get my license and registration suspended.
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XXXX/XXXX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 days.
Consumer complaint received 2020-08-24
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. (IA)

XXXX continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (LA)

Cavalry Portfolio is attempting to collect a debt they allegedly brought from XXXX XXXX XXXX. I requested that they validate the debt and send me a signed contract or any proof that the account belongs to me. They have not sent me any documentation that the account belongs to me.
Consumer complaint received 2021-07-16
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. (PA)

XXXX and Equifax are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

ON XX/XX/2019 A CREDIT INQUIRY WAS PLACED ON MY ACCT FROM CAPITAL ONE. 

ON XX/XX/2019 A CREDIT INQUIRY FROM XXXX XXXX WAS PLACED ON MY ACCT
Consumer complaint received 2021-02-21
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. (NY)

I have been having an identity theft issue that i have not been able to resolve with XXXX XXXX for quite some time. 

XXXX XXXX has had my file supressed. I have not been able to obtain a copy of my file and have the fraud accounts removed from my file. I was able to have the fraud accounts blocked from my file in XXXX and Equifax but due to the suppression of my file with them and my file being handled by a department that is never able to take my call and due to the corona virus situation it has only made it even more dificult for me to resolve this matter with them even worse. 

Based on my resolution with Equifax and XXXX the fraud accounts are as follows XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 2020-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Golden Title Loans LLC (TN)

XX/XX/2020 I was woken up to a text from someone from XXXX saying they verified my unemployment and it was deposited into my account and the exact dollar amount it was. I never notified them that I was receiving unemployment Which means they took it upon themselves and used my personal information and went on unemployment website and verify income that I didnt report to them. They text me trying to threaten and Intimidate me about a XXXX payday loan. They continue to go back n forth with me very unprofessional I have names of those people but I feel intimidated I really do.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (TX)

I have notice if I return and item back to the store, it does not take the charge off, it still charge me for items I have retuned Several items I have returned but it does not show it has removed the items off the account I called Target twice and they could not really could not have not help me I needed to go back to the store to remove several charges. 
I tried to go over the information but they did not want to work with me They spoke very limited English
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Equity Advantage Holdings, Inc. (MA)

Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I applied for this card through the Citi website specifically because the site showed they would waive the {$99.00} membership fee the first year. The fee showed up on the first statement at which point I tried to resolve it with them via app chat, phone calls and social media. I was told the offer was not available at the time and to provide proof that was the offer when I applied. I sent them screenshots of their own website which showed the offer to waive the membership fee for the first year. They claimed that the website had changed since I applied and offered no proof of that claim. This has been the standard offer they advertise on their site for as long as I looked into getting the card and is still there. It took me many hours and phone calls to try to resolve this. I incurred a late fee while trying to resolve this with them. They refused to waive either the membership fee - which is what they advertise on their site and which is what I applied for - or the late fee and I was forced to close the account.
Consumer complaint received 2022-04-05
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. (PA)

My name is XXXX XXXX, I have been a long time card holder of XXXX XXXX ( XXXX XXXX ending XXXX ). On my credit report there is a 30 Day Late Payment for XXXX XXXX. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to XXXX XXXX in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both Equifax and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with XXXX XXXX has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have Equifax and XXXX updated to remove the 30 day late.
Consumer complaint received 2022-09-14
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 .This 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$29000.00} Account : XXXX XXXX accounts XXXX XXXX XXXX XXXX Account : XXXX XXXX I Originally creditor XXXX XXXX Balance {$230.00} 15 USC 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of Information Any other adverse item of information, other than records of convIctions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate