davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The creditor has violated my rights by failing to verify the debt and correctly report accurate information on my credit report. 

failing to identify who holds the debt using the telephone to harass debtors by calling anonymously or making repeated or continuous calls I sent a letter to matco tools asking for : 1. Validation of the debt-that is, the actual accounting.

2. Verification of the signed invoice 3. A copy of the contract binding both parties ( You and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered ''.

However according to 15 Usc 1692e, 15 usc 1692d and 15 usc 1692b Not using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2022-10-21
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2022-04-05
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. (IN)

The following inquiries were NOT authorized : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In the process of refinancing. My partner had a bankruptcy and its not closed yet due to some property being sold. SLS stopped reporting our payments to the Credit bureaus. 
We are applying for a new VA loan. When the new mortgage company contacted them they said we were late with XXXX payments. We have our cancelled check ( attached ) that show we have made all payments and are not late. We have to have a clear report from them and they have made if very difficult to get items needed. Thank you for any help. I think my loan is conventional fixed. 

XXXX XXXX
Consumer complaint received 2022-10-21
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. (NC)

On Friday XX/XX/2022, XXXX XXXX XXXX knowingly, wilfully, with the intent to conceal disputes filed against them for various disputes, many in violation of federal and state law, again, violated my rights to due process when they perjured themselves in their submission OF eighteen ( 18 ) unique and separate FALSIFIED RESPONSES TO 18 separate and unique complaints filed against them.

In addition, their blatant disregard to federal law and to this complaint and several others demands the attention of the Eastern District US Attorney generals office to investigate these charges after signing each complaint that it was true and accurate data they were submitting to the CFPB, a U.S. government website.

This complaint will show they filed 18 submissions, and stated that all 18 complaints were duplicates to one specific complaint which you will see that to be absolutely false.

This is the list of complaint numbers they were deceptive with, the first number is the complaint at hand and the number below it is the referenced complaint that supposedly was a duplicate of the these 18 complaints.

The complaints are not even remotely the same, not the same content, not the same subject matter.

Please forward this to the US Attorney Generals Office for these serial violations and contempt of our state and federal laws. 

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 2022-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP (AZ)

In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " XXXX XXXX XXXX XXXX collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your XXXX XXXX XXXX to try to settle this collections account several times. 

On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from XXXX XXXX XXXX, because I was traveling to support family members with XXXX XXXX. 

On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( XXXX XXXX XXXX XXXX  entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. 

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from XXXX XXXX XXXX. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. 

I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. XXXX XXXX XXXX  has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because XXXXXXXX XXXX XXXX is abusing the Arizona Courts to harass and intimidate me. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (PA)

I spoke with this company several times in XXXX. There saying that I owe a XXXX XXXX bill for XXXX That is not possible. XXXX will cut your services off if you miss one month. They told me they can only produce the bill from XX/XX/2018 till XX/XX/2018. In which they stated the bill was {$1600.00} when they purchased the account from XXXX. I spoke with someone on XX/XX/XXXX asking for an itemized bill starting from XX/XX/2018. They told me that they don't have it and that I would have to contact XXXX. I contact them and I was told that they don't keep a record that long and that once it is sold to a collection company its out of there system. I then contact the company back and told them what XXXX had said. She told PROMISED me that she would request the information from XXXX and to give her 5 days. I called 10 days later they still haven't got a copy of my bill leading up to these charges and now their telling me to wait 30 more days for something that XXXX can't give them. In the mean time it's hurting my credit. If I owe XXXX money I would pay it. My bill with XXXX was about {$220.00} a month.. so if I add correct I had about 7 months of services and not pay.. that really impossible with XXXX. And to say I owe {$1600.00} is insane there's no way anyone can get services that long without paying. So no one is able to supply with a bill that shows charges leading up to this amount. Honestly I believe that when I moved from the residence XXXX sent me prepaid boxes to send back through usps. I neatly packed everything up and sent it back I had no use for keeping it and it was free to send back in which I took it to my local post office. I am thinking they never credited my account for the equipment I returned. Cause otherwise I don't owe them any money. I hope and pray that you can help me resolve this matter. Thanks. I hope to hear back from you soon.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

The credit bureaus XXXX, Equifax did not follow the law, I have disputed accounts and personal information and XXXX had updated Dispute accounts to addresses was use for Identity theft. According to the 1970 Fair Credit Reporting Act these unverified, incorrect and unauthorized addresses must be removed ASAP
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

Applied for the XXXX secured credit card on a few different occasions between mid XXXX and early XXXX. After that period, I got a letter saying my application was denied but afterwards I got an email saying it was denied because it was previously approved. I was informed via the XXXX site that I needed to make a deposit in the desired amount between {$100.00} & {$750.00}. I was not told I had to make the deposit for the exact amount I entered on my application. 

On XX/XX/XXXX I attempted to make a deposit in the amount of {$250.00} and was rejected a few times. I called the customer service number and was told to attempt a {$100.00} deposit and when I did, I didnt receive any error messages. To this day, the XXXX website reflects that I still have a {$100.00} deposit pending. 

On the XXXX XXXX  XXXX, I realized the site still reflected I was waiting for my deposit to clear. I learned on their help screen that if there was an issue with my payment, I would be contacted via email with further instructions. I havent recieved any emails concerning the security deposit to open the card. I contacted XXXX and they informed me there was a flag on my account and cleared the flag on my account. I contacted synchrony two days later and they told me to wait 24 hours and the next day I called synchrony and they told me to wait 48 hours. I called again and they told me to mail a payment but didn't specify which department to send it to. I dont remember the exact date but I called to try to get more answers with no successso I asked if they could just close the account since I wasnt getting anywhere. The customer service representative informed me it would be reflected as a closed account on my credit report. I just called again today, XXXX XXXX and they told me to clear my cache and try again. When it didnt work they told me to just check every day and if it doesnt allow me to pay, then I need to reapply. I expressed that my credit score was already affected, and they want me to wait and apply again. It seems they are just stalling until I miss the deadline of XXXX XXXX.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (NJ)

I am reporting a violation of FDCPA by debt XXXX- XXXX, XXXX XXXX XXXX XXXX who have filed a complaint against me in the XXXX XXXX XXXX XXXX. I received a summons from XXXX XXXX - XXXX XXXX XXXX dated XX/XX/2022. The document stated that I was being sued for more than {$15000.00}. I had never been contacted by a debt collector regarding this alleged debt as is required in the Fair Debt Collection Practices Act ( FDCPA ). I was unable to have the debt validated by this firm. I do not believe that I owe any debt to this debt collector. I received a summons from the court as the initial notification of a debt of which I was unaware. XXXX, XXXX XXXX XXXX, XXXX were previously known as XXXX XXXX XXXX have violated the Fair Debt Collection Practices Act in the past and have been fined {$1.00} XXXX in civil penalty by the Consumer Financial Protection Bureau for their repeated ongoing deceptive and abusive practices in violation of the FDCPA. These debt XXXX- XXXX, XXXX XXXX  XXXX, XXXX never contacted me to notify me of the debt they are alleging I owe them. They never validated or verified the debt and instead filed a complaint summons in XXXX XXXX XXXX- against me. I am disputing the actions of this agency. I have no knowledge that this is a valid debt. I responded to the court with my ANSWER and these lawyers ( debt collectors ) filed a Motion to Strike my Answer. I have opposed their Motion to Strike my Answer and filed an amended ANSWER. Now they have filed a Motion for XXXX XXXX. I have filed a Motion Opposing Summary Judgment and they have provided documents to the court which are UN-REDACTED and contain not only my Confidential Personal Information but more than XXXX transactions which include XXXX XXXX which violates HIPAA Act and I plan to files federal charges against them with XXXX XXXX. Please investigate XXXX, XXXXXXXX XXXX XXXX, XXXX. 
My detailed information is contained in the court documents which I have attached.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I have a checking account with J.P.Morgan Chase. Ive made money transfers ( payments ) through their app to what I thought was my student loan service providers and for my car payment which is transferred to XXXX XXXX XXXX XXXX XXXX XXXX. 

Ive also made a payment to XXXX XXXXXXXX XXXX  using a credit card connected to my Chase account ; however, the university has no record of it per my account statements. 

I have paid thousands of dollars towards student loans and credit cards, yet credit reporting companies and the companies Im paying are not updating records in a timely manner.
Consumer complaint received 2022-10-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CARS Acquisition, LLC (LA)

This company is in repeated violation of my rights, under FCDPA the violations are as follows 1692 ( e ) 2 character, amount or legal status, 1692 ( c ) c after written communication to stop communication or about paying a debt. 1692 ( e ) 8 threatens or communicates false credit information including failure to dispute information, 1692 ( f ) f an attempt to collect an amount of of the original agreement also 1692 ( g ) where company failed to send a 30 day validation notice within 5 days of initial communication.
Consumer complaint received 2022-10-21
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. (FL)

15 U.S.C 1681 section.602.A.States i have a right to Privavcy To Whom It May Concern I did not Authorize anyone employed by these companies to any inquiry and view my credit report.This is a vi olation of the of Fair Credit Reporting Act Section 1681b ( c ) and a XXXX XXXX of my privacy rights
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

In the middle of XXXX, my Social Security number was stolen, but I already reported to the three credit bureaus and Federal Trade Commission. On XX/XX/XXXX, I found that {$1000.00} had been withdrawn from my Chase Bank checking accountbut this is not done by me or anyone I know. I saw the withdrawal record on the Chase app. Someone pretended to be me and withdrew the money directly at the bank counter with the withdrawal slip.This withdrawal slip has my name, account number, and full Social Security number. I don't believe you can withdraw money just by using this information. So I immediately contacted Chase Bank fraud department, but both calls were hung up without being properly handled, and one of the representative was very unprofessional and irresponsible. She thought it was a check not a withdrawal, then she directly transfered to the checking department. However, they told me it happened in college point branch ( New York ). 

On XX/XX/XXXX, I went to this branch to inquire about this matter.The banker helped me close the stolen account, then opened a new one and told me the stolen money would be returned in 4-5 business days.Then I asked him, why was this stranger able to withdraw money using only my Social Security number? Doesn't the teller need to verify photo ID and signature? The banker only apologized, but did not give me a satisfactory answer. I said that I needed relevant materials to report to the police, but the banker did not give me what the police needed, only give me an irrelevant form. He said the theft of accounts happened so often that it was useless to call the police. And the amount of money stolen from me is so small that no one cares.In the end, he also didn't give me a satisfactory answer. Didn't tell me how my money could be taken so easily by strangers. We trust Chase bank, so we keep our money here, but what the bank did, they let us down.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-10-21
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

I had booked a flight using my Discover credit card on XXXX for XX/XX/XXXX from XXXX to XXXX. It was a XXXX XXXX XXXX. 
The flight got cancelled four hours before the departure. 

I called XXXX XXXX asking for my refund, they told me to contact the Airline directly. So i called up XXXX XXXX and they asked the last four digits of the credit card number XXXX XXXX used to book my flight ( note that it was not my discover card ). 

So i called XXXX XXXX  again asking for the last four digits of the credit card number again and they told me they can not provide it and asked me to contact the airline again. 
I called up the airline again and even they told me they can not help me here. 

The flight never flew and i never got the service and now these companies are not refunding my money. So i reached out to my credit card company DISCOVER to file a dispute and they straight told up they can not dispute it. So none of these three companies are helping me to get my money back.
Consumer complaint received 2022-10-21
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: SYNCHRONY FINANCIAL (FL)

I have noticed credit inquiries in which I did not authorize. 

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 XXXXSYNCB/TJX 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 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.