davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a XXXX XXXX credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P. (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

We made purchase at XXXX XXXX and were offered a credit card by Comenity Bank with no interest for 12 months. We ended up signing up for the card. To avoid any late fees the bank suggested setting up an auto payment and also signed us up for paperless statements. The system has been debiting our account automatically for the past year and we didnt see any issues except for the fact that the bank signed us up for minimum statement due and when we hit 12 months mark in XX/XX/XXXX end the bank charged us around {$700.00} in interest fees We were not made aware of the charge by email or text as we were still on the auto pay. when investigating why we are still paying in XX/XX/XXXX, we see that the bank has charged us interest and has been doing so for the months of XXXX and XXXX for $ XXXX each month in addition Issue - 1. The bank signed us up for auto pay for the minimum due and not the statement balance. The bank doesn't give the option to pay statement balance and hopes customers sign up for minimum balance and accrue interest, knowing that consumers will not see the interest accrued for 12 months and will forget with paperless statements. As a result they will hit the customers account with huge interests and wait for 12 months to collect the interest as the customer is not tracking the account with with auto pay and phone/email notification.

2. The bank also didnt send us any email or phone notification of the charge even though we have signed up with out email and phone. On asking them about it, they mentioned it is on the statement ( that we dont receive by mail nor by email ) that we should have logged into the account and clicked on the notification center to download and see. 

I am sure this is not the first time this has happened. The fact that the bank gives auto pay options only to pay off minimum due amount and not statement balance shows that they want customers to accrue interest so that they can slap it on the account that is in auto pay mode We trusted the bank and signed up for auto pay and signed up for notification and paperless statements. That now has caused us to pay the bank {$800.00} in additional interest fees. 

Happy to provide more information as needed.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I was approved for the American Express XXXX XXXX  card on XX/XX/XXXX. The sign up offer was XXXX XXXX  points if you spent {$3000.00} within 3 months. The {$3000.00} spending requirement was met as evidenced on my XX/XX/XXXX statement. I have yet to receive the XXXX XXXX points. I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The responses have all been similar - someone is reviewing the account, please check back in " x '' weeks. 
It has now been close to 6 months since I have met the minimum spending requirement and have yet to receive the sign up bonus or any explanation as to the delay.
Consumer complaint received 2023-03-02
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: Stern Recovery Services, Inc. (NC)

It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on my credit report!
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (CA)

I applied for a mortgage through NACA in XX/XX/2022. They told me I had 60 days to be approved but wanted me to wait for approval until after I had worked at my new employer for one full year. This occurred on XX/XX/2022 about a week before the 60 day window closed. 

In the meantime my mortgage processor ( there they call them counselors ) quit. I feel because of improper case management, my new case worker had insufficient time to process my application and I have now fallen outside the 60-day window. They are now requiring me to check my credit again which I don't want to do. I explained this to the national team as well as my local counselor. I'm not an expect but not processing timely applications I believe is a Regulation B violation. 

On the last day of the 60-day window, my counselor called me with final details. He said they may come back with questions. I thought that meant it would still be solved the same day as I have no loans and no debt beyond credit cards I pay off each month. Yet somehow my mortgage application was deemed " Not Qualified ''. What's worse, I receive this notification via text with no explanation. I wrote them today to ask for further clarification and why Regulation B was not followed. I also asked for a manager or supervisor to escalate this issue. 

Instead, I receive a 3 sentence response : " Your file has been returned with conditions. The underwriter needs a new credit report. Let me know what you want to do. '' I still have no idea why my application wasn't approved. The company is not being forthcoming and I am not getting any help even after I ask for it. I suspect their teams are severely understaffed, but that is not at no fault of mine.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

To Whom it May Concern : My son found an old gift card ( MasterCard ) with an expiration date of XX/XX/XXXX. I have been unable to get any information on the card. The customer service No. is ( XXXX ) XXXX and the site is : XXXX I was unable to get a hold of anyone. The system does not recognize my card and it places you in a loop to report it " lost or stolen '' or alternatively enter the account number again. 

I can't tell if the card has been used. I can't get a transaction history. From what I understand from my son, he cleaned his room and found the card. I don't believe that he ever used it, but I can not verify. 

I know that in California, Cal. Civil Code 1749.5 Expiration date is prohibited.
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

My complaint is against American Express with my XXXX rewards credit card. I verified with an agent that I had made enough purchases to qualify for an additional XXXX points and an elite status. When I did not receive the points I called on XX/XX/XXXX and was promised by the supervisor XXXX from XXXX for this to be updated and my points and status to be changed due to inaccurate information given to me by the agent. I made {$50000.00} in purchases but the agent failed to tell me that I needed to make an additional {$23.00} dollars in purchases as they deduct the credit card fee. I spoke to XXXX in Florida and he promised to adjust this. Nothing has happened.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureaus are reporting inaccurate information on MIDLAND FUND ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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 2022-11-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-18
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: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal continues to disclose ( communicate ) nonpublic personal information to a nonaffiliated third party. I have sent in a Cease and Desist in accordance with 15 U.S. Code 1692c - Communication in connection with debt collection The letter is dated XXXX XXXX XXXX, confirming that they received my Cease and Desist but as of today XXXX XXXX XXXX, they continue to communicate with the nonaffiliated third party ( credit reporting agencies ). 

Pursuant to 15 U.S. Code 1692a ( 2 ) - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Since they are still communicating despite my cease and desist, they are in violation of 3 codes in counting. To include 15 U.S. Code 1681n - Civil liability for willful noncompliance.

I will be sending Navy Federal an invoice for each violation ( {$1000.00} each ) by USPS with a tracking number.

I have attached a copy of Navy Federal confirming that they received my Cease and Desist.
Consumer complaint received 2018-02-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I have been attempting to sell a home. The title commitment shows a company that is out of business. When I went to close it shows the original line holder of the primary and secondary loan to be Chase. One loan was charged off in 2009. This is a lien that Chase maintains. I attempted to satisfy the debt in full. Chase will now not speak to me and refers me to a servicing company called XXXX, who tells me the charged off debt is now XXXX more. XXXX now informs me that they have sent the file to a company called XXXX XXXX who is now in charge of discharging the debt. The debt is unfairly inflated and I am aware that there can be no penalties attached to charged off mortgage loans. Now they are preventing a sale for the second time of debt that is almost 10 years old. I am so you trying to sale the house fairly. Please help.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (OH)

I tried to get into my account in XXXX. I was blocked, after many attempts, I did get someone to tell be that my account was closed. I asked about the balance of {$10000.00}. Talked to many people at Schwab, some helpful, some hung up, but I found out that the account was closed, but not by me, middle of XX/XX/2021 with that balance, {$10000.00}. I did not close the account, nor did I receive that money. I did however, get a letter from Schwab dated, XX/XX/2021 with their checked attached, which was earlier than my correspondence with them, stating that the account is now closed per my request and enclosing a check in the amount off the closing balance, {$.00}. 

The letter and check is dated earlier than I started this entire situation. I have copies of all documentation regarding my complaint.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates LLC we received your fake letters for a XXXX Debt. Portfolio Recovery Associates is present on my credit reports as XXXX Debt collection. But letters state : This letter is for informational purposes only and is not an attempt to collect a debt. This communication is from a debt collector but is not an attempt to collect a debt. Portfolio Recovery Associates did you add those statements because you do not have a license to collect a debt in Michigan? Lets see letter typed up on XX/XX/2020 but your Debt was purchased on XXXX XXXX this is not a chain of custody letter. This is just Portfolio Recovery Associates typing fake letters and sending out to seniors for free money Scam. My name is from the same typewriter, Portfolio phone Number is from the same typewriter. There is no creditor code on the letter and their is no such thing as the word Seller. Portfolio in your letter you state : Your credit card account with a balance of {$270.00} was acquired by Portfolio Recovery Associates, LLC on or about XX/XX/2020. Portfolio Recovery Associates you did not state any account was sold to Portfolio Recovery Associates. Their is a big difference between sold and acquired. Portfolio Recovery Associates is on my credit reports for an XXXX account collection {$270.00} in which has decrease my credit score that I can not use my credit reports during these times and with Covid-19. Portfolio Recovery Associates you owe me {$25000.00} for falsely sending letters in the mail for free money and I am going to collect. You have one day to remove yourself off my credit reports. I have sent your letters to the proper authority and you should be hearing from the authority with in 30 days
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX we received a letter from Transworld Systems Inc. regarding medical services that we provided on XX/XX/XXXX. Transworld Systems illegally accessed HIPAA informations and collection data from one of their affiliates to resurrect a new claim ( this is now called Parasitic Debt Collection ). This fabricated claim is clearly attempted fraud by Transworld Systems Inc.
Consumer complaint received 2023-02-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Recovery Services, Inc. (IN)

None of the choices really applied so the closest to the problem were selected. 

Claims from different Collection Agencies regarding their ownership of the same debt. 
Correspondence back with them did not resolve the situation. The dates of correspondence overlap. 

Since I do not know who to respond to, I am filing this complaint. 

My understanding is that only one can have an active, collection authority.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

On XXXX we provided proof to mr. Cooper that we had change our insurance companies for our homeowners insurance to XXXX I have proof of that uploaded on my phone that they have updated it in their system we made our final payoff on our house with a payoff letter supplied from the mortgage company mr. Cooper and one week after we had wired the money from our bank to their account that they provide it they are saying now we owe an additional {$400.00} for hazard Insurance because we did not have insurance on our house which we had already supplied proof of so now they are not accepting the payoff that they gave to us because they're saying we owe them for insurance when we had already supplied them with proof they are trying to nickel-and-dime more money out of us
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CO)

I have overdraft protection yet my account was allowed to be overdrawn by XXXX after calling to dispute why my account was allowed to be over drawn by so much a credit that I didnt ask for was applied but no information as to why my account was allowed to be over drawn and now they have said theres nothing they can do. How does Over draft protection work?
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

Southwest Credit Systems have been trying to collect a debt of {$650.00} from me but the evidence doesn't add up. They're saying I opened up an account on XX/XX/2022 in XXXX, NC. I have physical proof that I was not living in that city at the time & had no idea of the purchase they're saying Ive done. I do not think its fair for my credit to have to suffer from this when it is clearly fraudulent activity going on under my name. Once again the name of the company is Southwest Credit Systems XXXX SWC Group ) located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (IA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 instructions 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.