davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (AZ)

I 'm filing this complaint in regards to The stop, cease, desist and withdraw notice sent to Discover Bank and their attorney XXXX XXXX XXXX, XXXX who are located in XXXX Az Referencing Superior Court Case # XXXX in and for the Country of XXXX AZ Where-which the plaintiffs council has been notified of the fact that the defendant is in a financially Un-colletable state and no funds or assets are available to/for payment or lean. Discover Banks counsel has been notified via said letter dated XXXX/XXXX/2016 sent via Fax on XXXX/XXXX/2016 From defendant XXXX XXXX to ( XXXX ) XXXX XXXX XXXX to fax # XXXX. 
The un-collectable status of the defendant proves that any monies or time spent attempting to collecting these funds will be wasted for both the plaintiff and defendant and yet the plaintiffs attorney continues to waste time and funding on per-suing this matter.
Consumer complaint received 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MO)

Within the last year I have fell behind on my mortgage with US Bank. The reason being is because the insurance rate went up and my mortgage went up over XXXX per month. US Bank told me I could apply for a loss mitigation program which I did. All the payments were made through the trial period and once complete I was denied because they said they never received the forms. I mailed them directly from the XXXX XXXX XXXX. I am being told I owe more then they are able to calculate with late fees and delinquencies.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 
Since they have gone past the 30 day mark and can'nt verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings (TX)

On XX/XX/2024, I received a call from XXXX XXXX, Senior Recovery Agent with HF Holdings , Inc . Phone : XXXX XXXX fax : XXXX Email : XXXX XXXX XXXX, com XXXX XXXX indicated to me that he was trying to collect {$6300.00} from me and stated that I had a relationship with a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and an individual with that company by the name of XXXX XXXX had purchased inventory from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Phone : XXXX XXXXXXXX XXXX XXXX XXXX called me on my cell phone with threatening tones and stated to me my social security number and other family members names. I informed XXXX XXXX that I had nothing to do with that company or XXXX XXXX creating a debt. He continued to make phone calls and send over documents showing that XXXX XXXX and XXXX XXXX created a debt with his client. I stated to XXXX XXXX that he was trying to fraudulently collect money from me that I don't owe, however he continues to call and harass me.
Consumer complaint received 2024-02-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OH)

I received an email with a statement for debt owed to XXXX XXXX from Hunter Warfield on XX/XX/year>. I called the number listed in the statement to dispute the debt. I also sent a letter disputing the debt and asking for verification to the address listed on the statement vie USPS certified mail XXXX. I have not received any additional communications from Hunter Warfield regarding the verification of the debt. I was sent a statement from XXXX XXXX indicating that I was refunded XXXX and my account balance is {XXXX
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IL)

Self is committing fraud by reporting this account inaccurately. The credit application is the security that is being used not the federal reserve notes I submitted to Self. Self alleges that the account is being reported accurately but it is not. I can not be late on a consumer account that is supposed to be open ended. Furthermore the interest from the trading on the security generates profits for Self. Since the security is what is being used as collateral and Self terminated the account the security should be paid to me not Self. 
Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.

( a ) Except as otherwise provided in Section 5-113, unless a letter of credit provides that it is transferable, the right of a beneficiary to draw or otherwise demand performance under a letter of credit may not be transferred.

( b ) Even if a letter of credit provides that it is transferable, the issuer may refuse to recognize or carry out a transfer if : ( 1 ) the transfer would violate applicable law; or ( 2 ) the transferor or transferee has failed to comply with any requirement stated in the letter of credit or any other requirement relating to transfer imposed by the issuer which is within the standard practice referred to in Section 5-108 ( e ) or is otherwise reasonable under the circumstances.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (HI)

Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider. 

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one XXXX and XXXX never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for two XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation. 

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : XXXX. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts. 
XXXX. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly. 

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CrossCheck, Inc. (CA)

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, CrossCheck, XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2017-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (SC)

I filed a complaint last month about a debt reporting from this company that is not mine on XXXX. They agreed to remove it. That has been done but now they have added this false debt that is not mine to XXXX!!! I need this deleted immediately as I am trying to buy a house
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX. Under the FCRA Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies must provide a copy of the verifiable original creditor documentation if it is requested by you the consumer. TRANSUNION can not provide verification to me because I have not authorized any creditors to share my information. According to section 609 ( a ) ( 1 ) ( A ), in the FCRA all CRA 's must show proof of all reporting accounts on my credit report in the form of a physical contract document per my written request to do so - the account is classified as UNVERIFIED and under the FCRA - all UNVERIFIED accounts MUST BE DELETED. THIS ACCOUNT IS NOT MINE but whether the account is correct or not - makes no difference. If the CRA can not provide you physical verification of the account - it is an UNVERIFIED account and MUST BE DELETED. They are reporting information to my credit report in violation of section 609 of the Fair Crediting Reporting Act. They are also sharing UNVERIFIED information with creditors and potential creditors without being in compliance with the FCRA passed by congress. THEY ARE BREAKING THE LAW! I want all UNVERIFIED ACCOUNTS removed from my credit whether they are valid or not IMMEDIATELY from my credit profile!! TRANSUNION IS IN VIOLATION OF MY CONSUMER RIGHTS AND I WOULD LIKE THIS CORRECTED IMMEDIATELY. PLEASE CONTACT THEM AND HAVE THEM CORRECT THIS
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (CA)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Recently i started receiving text messages, emails and phones of this debt that is not mine COLLECTION MANAGEMENT CO needs to stop. im not sure why there saying i own {$3200.00}.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (WV)

On XX/XX/24, XXXX made a direct deposit of {$56.00} into my Venmo account. I tried to withdraw the funds via transfer to my XXXX account, as my money is never safe with Venmo, but when I attempted the transfer, it was declined, and my Venmo account was frozen without cause or even notification. I called Venmo customer service only to be advised the reason for my account being frozen was unknown. I was further advised my issue would be " escalated to the account specialist '' and resolution would take 10-15 days. When I asked to speak directly to the account specialist or a manager who could help me understand this insanity, I was told there was no one that could help me, and the account specialist is unreachable, even to Venmo employees. I was advised to respond to " the email '', which I never did receive. I initiated the conversation with Support, and the response I received from Support advised my issue needed to be submitted to another team for review, but never did explain what the issue was that had frozen in my account, to which team I was being referred, or answered any other question I had as to why my account had been frozen.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MN)

I received a {$900.00} sign up bonus offer by mail from Chase Bank in XX/XX/2023. I went to the website listed on the offer and followed all of the instructions when opening the accounts, including entering the code I received. I opened the required checking & savings accounts on XX/XX/2023 prior to the offer expiring. I contacted Chase today and was told the code had expired in XX/XX/2023 and therefore they could not honor the {$900.00} bonus. The agent said that if I could find another current code for the same bonus they would honor it. I was not able to find a current code for the {$900.00} bonus.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

I Joined XXXX XXXX Military XX/XX/2003 and am still XXXX XXXXXXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that interest paid over the interest limit refunded to me. XXXX XXXX XXXX XXXX I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (KY)

they block me at every avenue even when I mailed in my request when my credit was denied they are using someone elses credit report in my info and wont give me a copy or change itt or allow me to file a dispute I seen the info at a place to get a car loan but I could not have there report
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Someone has access to my Social Security number and has opened up, fraudulent credit accounts, loans, insurance, policies, and car loan. Also, theres incorrect addresses on my credit file, places that Ive never been in my life. Ive submitted disputes of about this situation before and the credit bureaus claimed that they verified this information. Ive requested information on how they verify this information, and they could not provide that to me. I need this stuff removed off my credit report as soon as possible. Heres a list of fraudulent accounts. 

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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 Bankruptcy, # XXXX ( XX/XX/XXXX ) and ( XX/XX/XXXX ). 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 or any other adverse item of information other than records of convictions of crimes that antedate 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.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm trying to purchase a home and I realized that I have damages on my credit report from all 3 credit bureaus ; XXXX, Equifax, and XXXX. I notice that some incorrect names and addresses are connected to inquiries, credit cards, and charge-off accounts that are currently reporting on my credit report and significantly impacting my score. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These accounts have been disputed previously and has been reported as " accurate '' and " verified '' to me by the reporting agencies yet the accounts report varying information between the reporting agencies. These reporting agencies have not properly investigated my disputes and continue to report incorrect and invalid data. This is a violation of Fair Credit Reporting Act. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly XXXX compel me to take further legal action to protect my rights and seek compensation under the FCRA. Any account showing inaccuracy must be removed. All information from Report as of XX/XX/2024.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I HAVE NOTICED THAT THEIR ARE UNAUTHORIZED ACCOUNTS THAT WERE OPENED USING MY NAME AND HAS IMPACTED MY CREDIT SCORE. I AM A VICTIM OF IDENTITY THEFT. THESE ARE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX THESE ARE FRAUDULENT ACCOUNTS THIS FOLLOWING CARD IS WITH XXXX XXXX AND I TALKED TO THEM ON THE PHONE FOR HOURS AND MULTIPLE EMPLOYEES HUNG UP ON ME WITHOUT SOLVING. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TOLD THE COMPANY THAT I USED THIS CARD TO MAKE RENT PAYMENTS BUT THE REST OF THE CHARGES WERE UNAUTHORIZED AND I HAD THE CARD STOLEN THE COMPANY DID NOT RESOLVE THE ISSUE AND NOW CONTINUES TO ADD LATE FEES TO MY REPORT AND ALSO COMPOUND INTEREST. 

THIS FOLLOWING LOAN WAS ALSO OPENED UP IN MY NAME AND THE COMPANY HAS NOT VERIFIED I AUTHORIZED THE LOAN AND NOW THEY HAVE CLOSED THE ACCOUNT BUT THE DEBT IS STILL ON MY REPORT XXXX XXXX XXXXXXXX THE CLOSED LOAN AMOUNT IS {$77000.00}
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

Experian is reporting incorrect information on my " MEMBERSHIP CREDIT REPORT '' which part of their Credit Tracker Service. On the MEMBERSHIP CREDIT REPORT IT shows my XXXX XXXX XXXX XXXX XXXX accounts as PAID XX/XX/2010 - this is incorrect, I have never been late. When I dispute the item a " FULL DISCLOSURE REPORT '' is presented which shows the XXXX XXXX XXXX XXXX XXXX as " PAID AS AGREED '', this is correct. I want Experian to correct the MEMBERSHIP REPORT and resulting FICO Score.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

On XXXX XXXX XXXX XXXX, I sent a letter to Equifax, XXXX XXXX and XXXX XXXX regarding numerous violations of the Fair Credit Reporting Act in which the aforementioned Credit Reporting Agencies failed in their grave responsibilities to exercise fairness, impartiality, and respect for the consumer 's right to privacy.

Per 15 USC 1681b the CRA may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. As the consumer, I did not give them written. Also, I believe that they have also violated the Privacy Act of 1974 by disclosing a record without my written consent.

I requested that the CRAs mentioned above discontinue reporting account status, payment history, and derogatory remarks as it is a violation according to 15 USC 1681a ( 2 ) ( A ) ( I ) but they failed to abide by my request or abide by my request to opt out of this reporting per 12 CFR 1016.7.

These violations have caused me irreparable harm, and adverse actions, and have affected my livelihood. Congress has put into place legislation to protect the consumer from these inaccuracies and methods to undermine public confidence in the banking system. My privacy has been breached by these aforementioned CRAs and they must be held accountable for their willful noncompliance.