davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

HARD INQUIRIES are on my Credit Reports, I did not authorize and do not recognize. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX AND EQUIFAX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT THAT IS PREVENTING ME FROM REACHING MY FINANCIAL GOALS. THIS IS A COMPLETE VIOLATION AND ERROR. EQUIFAX IS REPORTING A BALANCE AND RECENT " CHARGEOFF '' ON XXXX XXXX. THE ACCOUNT WAS SETTLED AND PAID YEARS AGO. I HAVE ATTACHED SCREENSHOTS OF MY CREDIT REPORT SHOWING THE ACCOUNT HAS BEEN PAID IN FULL. EQUIFAX IS THE ONLY BUREAU THAT IS NOT DOING THEIR DUE DILIGENCE IN REPORTING ACCURATE INFORMATION.
Consumer complaint received 2018-07-27
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: Experian Information Solutions Inc. (CA)

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with Experian, XXXX, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I contacted Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (SC)

I have request to receive documentation per my consumer rights under ( FCRA ) Fair Credit Reporting Act. copies of paperwork for this account, Mountain Run Solutions account # XXXX which is showing on all 3 credit bureau reports and reporting inaccurately. They will not verify the debt properly ask Ive requested 3 times via mail to request copies of debt, along with requesting all payments made to this account, date of payments posting, method of payments used and verification of those payments made, electronic check, credit or debit cards used. Signatures of contract and location this account and when it was moved from original creditor to this company collection agency. I have attached a preview of disputes through online service, I demand a request for proof of how the credit bureau was contacted, who was spoke to, what number was dialed out to the 3 bureaus, names of agents, ID numbers and the time of each call length, and method of how I was verified. This issue is to be resolved immediately if you feel this is an error, please provide to the everything I requested above, or remove this account immediately from all 3 bureaus. Also after me requesting for debt of validation by mail, they send these text messages listed, is not very secure or private, I have a problem with that situation at that. Also there again in the 2 message screenshots there is no break down or any information that I requested.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2018 Experian has reported inaccurate information on my credit report. On XX/XX/2018 I requested to remove the account ( XXXX ) from my report due to errors. In which, the account ( XXXX ) was not 100 % accurate. So therefore, the account ( XXXX ) must be DELETED due to inaccurate account balance and account history.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them about their violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and FCRA 15 USC 168. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them about their violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and FCRA 15 USC 168. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020 at XXXX, I received a call on my private unlisted number from Portfolio Recovery. I asked them multiple times to stop calling my phone numbers. The have been harassing me with continued phone calls for the past year now. I have asked him many times when they .called to please stop calling my phones and take me out for their call list. I've told them multiple times that I was going to report them if they don't stop calling me and today I filed the complaint.
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MI)

On XX/XX/2020 I sent Americollect Inc. a certified letter, they received it XX/XX/2020. The letter was requesting that the alleged debt be validated. They failed to do so, they sent me an itemized statement with someone elses name on it. This isnt my debt.
Consumer complaint received 2021-05-27
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: Phoenix Financial Services LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-02-09
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: JPMORGAN CHASE & CO. (TX)

Today, I filed Complaint # XXXX involving Chase with Consumer Financial Protection Bureau ( CFPB ). Chase deemed the complaint quickly as duplicate by end of day. I was submitting XXXX NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NV)

According to the recent Annual Credit Report dated XXXX company Cache LLC has reported a debt of XXXX. This charged was disputed as a fraudulent charge originally in XXXX and again in XXXX under the name XXXX. Previously named XXXX. The credit bureaus favored the decision and removed the charge from the report. however the company has resubmitted the claim under a different name 3 times. The companies have provided no proof that this is a legate charge to the individual. I have notified the FTC. Along with the 3 major credit bureaus. This has become an ongoing process. The CFPB needs to assist in implementing regulation to prevent this type of double jeopardy reporting
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I was notified that DISCOVER had frozen my account in order that it be verified. They requested 3 months of bank statements which I sent on XX/XX/2021. I called on XX/XX/XXXX and was told they had not received them from their portal. I resubmitted that day and saw on their website that the documents were received. Ive called every few days and keep being told it takes several days. It is now two WEEKS and Was told that since they did not receive documents by the deadline the account is CLOSED. After a long discussion I am told the representative will note that I am upset. There bas been NO EFFORT on the part of Discover to address this issue, and will not expedite. It will be handled in the order in which it was received - which means I am starting the process all over again! 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Email : XXXX XXXX : XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am writing this letter because I recently checked my Consumer Report and I noticed that some errors and inaccuracies reporting. I have been impacted in a negative way because of the Equifax Data Breach. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. My privacy has been violated as well. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days. This has been haunting me for a few years but Im just realizing what the issue is thats hurting and its very frustrating and depressing. As a result I cant get reasonable insurance or a place stay because of this.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, A Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (IL)

In XXXX, Fortiva closed my credit account ( ending in XXXX ) without notification. They continued to charge a {$12.00} monthly fee. According to the account agreement, this fee would be charged in any month during which their was a balance on the account. There was a balance on the account until earlier this year XXXX XXXX ). On XX/XX/XXXX, the balance of the account was paid off and stood at {$0.00}. 

In early XXXX, XXXX I received a text message from Fortiva saying that my credit card payment was past due. I logged on and noticed that Fortiva had added a {$12.00} fee to my account for XXXX, XXXX and XXXX. These fees are not included in the cardholder agreement, since there is not a balance on the account. I called Fortiva Customer Service, and asked them to ensure the account is closed and to remove the fees totaling {$37.00}. The fees were removed, but now, over a week later, I logged on and I see that the {$12.00} fee for XXXX has been re-applied to my account and this account is now officially a zombie.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/XXXX I went to XXXX XXXX terminal is : XXXX time XXXX and tried to withdraw {$2000.00} from the atm however it did not dispense. I filed my dispute with American Express Serve on XX/XX/XXXX and spoke with customer service who stated that they had received the dispute documents and I should receive a decision by XX/XX/XXXX for temporary credit. I didnt receive any communication regarding the credit. I called on XX/XX/XXXX and spoke with a lady by the name of XXXX who stated that my information was never received. I have uploaded the dispute forms twice and faxed the dispute form and the fax stated it was received. I cant anyone to help or expedite the process
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

My existing mortgage company continued to deduct an automatic draft payment from my bank account 3 days after they were paid in full, by my new mortgage company. I called and asked for a reimbursement for the automatic payment draft deducted from bank account, but said it would be 2 to 4 weeks before they could mail back check.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

On XX/XX/XXXX Chime closed my checking account with {$9300.00} in it for no reason at all. Since they closed my account, I can not talk with them. I have to email their support. I emailed 45 times. Nobody has emailed me back. I called the XXXX XXXX n they transferred me over to the escalation team at Chime. On XX/XX/XXXX that team said the check for everything in my account was already requested n would be sent out. On the XXXX when I called back to verify, the next person did not know what I was talking about. I filed a complaint with the XXXX. They will not email me ever but they contact XXXX  right away with no problem. I have given them my id, XXXX XXXX XXXXXXXX, proof of my XXXX, proof that all my money is legal and im not doing anything illegal and they still do not answer and keeping my money. I want my money back. They can keep their Terrible account I have opened other bank accounts. I just want my money back that was in my account. That was my entire savings n I want it back.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (AL)

I was locked out of my account. I could only withdraw with my debit card. Contacted current bank. They cancelled my cards and reissued new ones to someone else. I thought my unemployment had ended only to find out it hadn't. They started emailing a fake email letting someone else know that my deposits went in this started in XXXX. On the XXXX I got in touch with them and had to send in the many unauthorized transaction numbers and they never responded after. This cost me thousands of dollars during the pandemic. I couldn't get my taxes or stimulus money because I was a victim of identity theft through this virtual wallet. It takes months to get a response from current and unemployment. Needless to say these people assisted some strangers in stealing my identity and still I haven't gotten a dime of my money back or a response to this day. I haven't gotten my identity under control either because of it.i can't get current bank to return my calls. The people who stole my identity have ruined my credit. I can't even open a bank account.
Consumer complaint received 2021-05-27
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. (CA)

On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested Experian, XXXX  and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (NC)

Creditor by the name of Protect Your Home filed a collection on all 3 of my credit bureau reports around XXXX with the collection agency listed as Mountain Run Solutions. I disputed the information online and the collection was removed from both XXXX and XXXX. XXXX stated the debt was verified after multiple attempts to dispute the debt. I have never had an account with this company or requested their services. Last month, XX/XX/2020, the collection has reappeared once again on all 3 reports despite it being removed from a previous dispute. I then filed another dispute with each bureau- XXXX would not allow another dispute on the account and the other two stated it as verified. I have sent multiple requests to the collection agency and original creditor for verification of debt and they have all went unanswered. On XX/XX/2020 the collection agency reached out to me via text message and sent a Dropbox link that supposedly contained my contract. This link, of course didnt work. He then volunteered to send it via text in that thread, to which he did not. He then said he could send it via email and I provided an email address and to date I have never received it. I directly asked in the text message if this document was a contract direct with protect your home complete with my signature etc, he stated that the FCRA requirements only state they have to provide a document certifiable that the debt was mine- literally a sheet of paper stating I certify this debt is valid and belongs to is all it needed to say and that a signed contract or document of any kind was not required. I told him I never have had an account with either party and he did not send any additional responses.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

XXXX XXXX  collected an extra {$5700.00} from me, then has repeatedly failed to return the money to me as part of an excess funds disbursement from escrow. When they sent me a check in the mail to cash, it bounced. 

The company is refusing to either credit my mortgage with the money they owe me or to promptly provide me with a refund. If I were truly living hand to mouth, this behavior would force me into default. 

I have found XXXX to make repeated errors in handling my loan within just a few months of assuming servicing responsibilities.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX, Equifax and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (VA)

I want to preface this complaint with the fact that I have, up until this point, had no issues with either my Etrade account services nor any customer service issues. I had initiated an online ACH transfer from my Etrade checking account on XX/XX/XXXX to fund a new account opening at another bank. There were issues at the other bank, so the account closure set off a string of poor customer service experiences related to the retrieval of the original ACH transfer at both banks. 

In addition to numerous customer service email requests and phone calls, the funds have still not been credited back to my account. The fact that an unknowledgeable customer service representative indicated that the funds will be credited within 1-2 days over a week ago, and the bank is now backpedaling regarding the need for dispute documents makes me just as suspicious of where my money currently is as I am with the new bank. When they told me today that this simple credit of the funds back to my account will take 90 days, I couldn't help but have to file this complaint for incorrect information provided by the initial customer service representative and the fact that a legitimate transaction would take 90 days to resolve.