davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
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. (IN)

I have tried on multiple occasions to get Experian to follow FCRA and in turn respect my rights in this matter. I have asked Experian to on at least 4 occasion to validate this account, as well as on multiple occasions as Experian to present me a description of the procedures used each of these disputes. Experian refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. 













The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I )  PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I deposited my economics stimulus check for {$850.00} via online app with Chase bank on XXXX XXXX, I called the bank XXXX to be told a 10 day hold was placed on the check for fund to be verified. The funds would not be available in my account until XXXX for a US Treasury issued check mailed to me. They stated the US Treasury flagged the check for funds to verified. I called the US Treasury at XXXX XXXX option XXXX whom stated they do not flag US Treasury checks, that its the bank. She confirmed that check paid out on XXXX. I contact Chase bank check-hold department again gave them the information and they still refused to investigate and release funds. 
I sat on how for hours at a time trying to get them to understand I needs my funds, I has {$26.00} dollars in my account and no one at Chase bank cared, nor that I HAD been a customer since XXXX, and I couldn't get a penny of a US Treasury issued check.
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (KS)

In XXXX I received a call that my credit card through Lowes via Synchrony Bank had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons credit.
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (GA)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CT)

On or about XX/XX/2022 XXXXJPmorganchase Financial was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$20000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. XXXXJPmorganchase redeemed the the instrument on or about XX/XX/2022. XXXXJPmorganchase has not honored the contract and continues to harass and Tarnish the credit of the allege Debtor and also threaten with repossession
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (MD)

All of the charges below I did not approve and I did and Initial dispute with my bank and I was told that and investigation Will happen and I will get a written notice when the investigation was complete but I never got any notices or letters and I waited 14 days to get a provisional credit but on XX/XX/2022 I was only credited with XXXX dollars of the money that was stolen from my account and when I called my bank they told me they only found and error for XXXX dollars and the rest was approved but it wasnt by me I DID NOT APPROVE THESE TRANSACTIONS BELOW I NEED HELP PLEASE!! I am not able to pay my rent next month because I have no money in my account - {$660.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXX CA US XX/XX/2022 at XXXX AM Card ending in XXXX - {$880.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXX CA US XX/XX/2022 at XXXX AM Card ending in XXXX - {$290.00} Debit : Signature purchase from XXXX XXXX XXXX*XXXX XXXX CA US XX/XX/2022 at XXXX AM Card ending in XXXX - {$290.00} Debit : Signature purchase from XXXX XXXX XXXXXXXX XXXX CA US XX/XX/2022 at XXXX AM XXXX ending in XXXX - {$50.00} Debit : Signature purchase from XXXX XXXX  XXXXXXXX XXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$990.00} Debit : Signature purchase from XXXX XXXX  XXXXXXXX XXXXXXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$25.00} Debit : Signature purchase from XXXX XXXX  XXXXXXXX  XXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$880.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXXXXXX CA XXXX XX/XX/2022 at XXXX PM Card ending in XXXX - {$440.00} Debit : Signature purchase from XXXX XXXX  XXXX*XXXX XXXX CA XXXX XX/XX/2022 at XXXX PM XXXX ending in XXXX
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (IL)

I opened a dispute regarding a bankruptcy on my credit report with Equifax many times since 2020 and they continue to close out the dispute within a couple days, stating that it has been verified. I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. https : //equifaxconsumersXXXX.com/ I also sent the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Equifax via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Equifax because there have been no remarks added to the bankruptcy about the dispute since the XXXX and the person I spoke with, told me that the dispute was opened and is already closed ( Confirmation # XXXX XXXX XXXX ). He said the notes in that dispute simply state that bankruptcies stay on a report for 10 years. Equifax doesn't do any actual investigations and the person I spoke with also confirmed that he saw my letters and Equifax still refused to do any actual investigation of their own. He said there was nothing he could do except open another dispute ( Confirmation # XXXX XXXX XXXX ). This needs to be deleted from my credit report if they can not verify the bankruptcy within 30 days. The OCR and E OSCAR verifying this info is not recognized as proper validation. Im filing a complaint with the XXXX as well and speaking with an FCRA Attorney to seek legal action.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX balance is XXXX I have not purchase anything in XXXX and i made payment XXXX for Bank of America credit card. Since i have promotion offer XXXX $ until XX/XX/XXXX. New Balance is now XXXX $ now,. Now i am see in XXXX statement interst charged XXXX XXXX 

Please help me to resolve this issue. Every month charging and paid total interest XXXX $
Consumer complaint received 2019-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

This loan was transferred on XX/XX/XXXX from previous lender XXXX. I received an escrow analysis dated XX/XX/XXXX, that stated the shortage amount was {$1700.00}. I started pulling documents since neither my hazard insurance or real estate insurance had gone up significantly. By doing this I learned that between my hazard insurance and real estate tax the difference from XX/XX/XXXX was a {$32.00} increase, which is significantly different than the shortage amount shows, that is {$1700.00} difference. So where did the money go? I called Rushmore since the numbers were not adding up, I finally spoke with a supervisor name XXXX, who determined when the loan was purchased from XXXX the PMI insurance was never removed and continued to be paid. XX/XX/XXXX I applied for the PMI to be removed from the loan. I received a letter from XXXX stating that as of XX/XX/XXXX the PMI insurance would be removed and the monthly payment would be lowered. XXXX, stated she had the documents stating the PMI insurance had been paid for 12 months, apparently XXXX  adjusted the amount of the payment to reflect no longer having PMI, but did not ever stop paying it. When Rushmore purchased the loan PMI continued to be paid. XXXX did get the PMI removed from the account and since I have not been billed, however I have not been reimbursed for the 12 months worth of PMI taken from my escrow account. This problem was discovered in XX/XX/XXXX, initially XXXX communicated well, however I left multiple messages that were never returned and even tried to contact customer service supervisors and would be promised a call back which I never received. XXXX informed me that the incorrect payments made would have to be refunded and then would be applied to escrow if there was a overage I would be refunded. XX/XX/XXXX I called Rushmore back and spoke with supervisor XXXX XXXX, he said he would file a refund request with FHA to be reimbursed the amount of {$1400.00}. I received one follow up call with no additional information. I then received another escrow analysis that states I had a shortage of over {$1900.00}, and that my mortgage payment will go up in XX/XX/XXXX. I left XXXX several messages without reply. XX/XX/XXXX I called Rushmore once again, I spoke with supervisor named XXXX, who insisted he would look into this and return my call XX/XX/XXXX, I never received a call back. XX/XX/XXXX I called and spoke with a manager named XXXX, who promised to look into this situation and call back XX/XX/XXXX. She followed up with at least a phone call but no additional information. This is not a mistake of the customer but of the loan provider. Im demanding the money that was taken from my escrow account to be accounted for. I have gone months without contact or resolution to this problem. Please reply with written correspondence to resolve this issue.
Consumer complaint received 2019-03-13
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: US Mortgage Resolution LLC (FL)

My former wife acquired a property in XXXX. I was never on the deed to the property and never lived there. She obtained at least two home equity lines of credit and one mortgage while she owned the house. I was not listed on any of the notes. Since Illinois has homestead laws, I signed a release that I will have no ownership interest in the property and that it will not be a marital asset. The name shown on the notes was " ( her ), married to ( me ) ''. She alone signed the notes, and I only ever signed the homestead release. The loans were originated with XXXX in XXXX, XXXX, and XXXX. In XXXX, XXXX was acquired by XXXX XXXX, and in XXXX, XXXX XXXX was acquired by XXXX. In XXXX, XXXX filed a Lis Pendens against BOTH of us. I am now trying to get a mortgage myself, and I only became aware of this when my credit was pulled and my mortgage company told me I had THREE mortgage collections with XXXX XXXX  and a recently closed mortgage with multiple late payments. By searching public records, I found out that XXXX sold one of these debts to XXXX XXXX  XXXX XXXX in XXXX of XXXX. On the Assignment of Mortgage that is public record, it still lists the borrower as ( former wife ), married to ( me ). I never had any association with this property, and I was never obligated on any of these mortgages.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

This company insist on making harassing calls after I requested not to be contacted by phone. I told them this is not my debt but they still send me harassing letters and calls and have not send me the debt validation information i asked them for.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (NJ)

I would like Equifax to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (VA)

Been customer since 2013 Order XXXX they over change me never send my grocery Then wells fargo closed my account for no reason and send my social security check back now no way pay rent so wrong and charges me fee XXXX for XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX case # XXXX and XXXX Attorney General of Texas. Under 15US Code 1681 ( A ) and 15 US code 1681 ( I ) ( 5 ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and mis leading when the court dont report this type of account. Under 15 US Code 1681 ( b ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is idenity theft.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue experian, XXXX and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how Experian, XXXX and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.
Consumer complaint received 2020-06-02
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. (MA)

on XX/XX/2020, I sent two certified letters one to Equifax, tracking number XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).