davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I wrote a check to my vendor which I have a copy of that check. My vendor stated they had not received it yet. So I wrote another check on XX/XX/XXXX for the same exact amount paying for the exact same invoices figuring our vendor would receive them both and credit our account. I like be on-time with all of my payments. This is why I have great credit. Someone washed this check and was able to cash it at Morgan Chase Bank in XXXX, California per the police investigators report. Chase bank was able to get the money back therefore my bank XXXX XXXX refunded me that money for {$23000.00}. The second check got washed and cashed as well during the same time with a different name and cashed at a Morgan Chase bank in XXXX, California. The Police investigator was not able to get any information in regard to this check. The bank was not being cooperative. I have a copy of that check as well with the way I wrote it. That check was washed and cashed. In tears I went to one of the Chase banks in XXXX and the manager said they can not give me any information for the person that cashed it since I do not have an account there. My argument is that this person that washed my check has to have a bank account there, the bank has to have all of his information. I, myself can not just cash a check in that huge amount without having a bank account in my name right? For this criminal to be able to wash and cash a check in the amount of {$23000.00} is just wrong. I want to press charges on this person and Morgan Chase bank for allowing this person to cash this check without the bank stamping it. I feel Morgan Chase bank might be in on this scam since they cashed both checks. The only information I received from my bank XXXX XXXX in XXXX, California is this criminals routing # XXXX at Chase. I am a hard working citizen that was not only scammed once but twice. The bank Morgan Chase wants to protect these fraudulent people. There should be consequences for them. I should not have to suffer like this. My son fought XXXX and it was stressful for me. I do not need this extra stress. Nor do I need to lose this kind of money. This has to stop. Please, Please, Please help me. I'm begging you.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (LA)

It appears that XXXX XXXX, XXXX is still at the same tactics once again. This whole issue all starts from a disgruntled employee. XXXX never paid me for the work I provided back in XX/XX/XXXX. I stopped working for XXXX in XX/XX/XXXX when the settlement payment was inaccurate. As stated with plenty of XXXX XXXX  that they needed to get this issue fix in a timely matter to continue driving for this company. 

They didn't get it fixed and sent me a bill in XX/XX/XXXX for attending a XXXX XXXX I never attended a XXXX  school for a XXXX. I had a XXXX since XXXX, which XXXX. After numerous complaints and issues, they said the situation was handled. Now I have a collection bill from XXXX, I am assuming from XX/XX/XXXX in the amount of XXXX in which I never received a notice. Again, I do not owe XXXX XXXX any money for anything. I know for a fact they didn't pay for my services and owe me over {$2500.00}, including hotel reimbursements, fuel, and training students. 

What XXXX XXXX does, is bait and switch. The pay rate and fuel surcharge is quoted as one thing. When you get the settlement statement, they split the total amount of miles, instead and calculated the total revenue rate of 70 %. But they make sure they have all there expenses calculated included the XXXX  training fee with the accurate miles. 

I want to see a reoncilation statement of me oweing this amount when I didn't even work for this company. Most likely again due to this company unethical behavior they are probably associated with me with another driver. 

I want this collection report removed from my credit reports as well as to be compensated for this issue. If they want money from me and to add this to a collection account. Then they need to pay me for the amount of money that I never received in XX/XX/XXXX. 

In addition, how is this even on my personal credit report when the contract and is associated with my business name and business EIN,  nothing should be attached to my personal credit report per the XXXX Contract agreement as I am XXXX XXXX XXXX  under XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: National Home Buyer’s Alliance (MO)

I entered in an agreement with XXXX XXXX XXXX XXXX d/b/a National Home Buyers Alliance ( NHBA ) on XXXX XXXX, 2011. In the first paragraph of the contract it states that materials and information will be provided by NHBA, I have been given any materials stating anything in the contract. In the contract is also states that NHBA has agreed to additional down payment in excess of the 3 % down payment. I have an email dated XXXX from XXXX XXXX ( Customer Service ) at NHBA stating " The money you paid to NHBA is a fee for our services and nothing more. Part of the services is we negotiate to get all of your closing costs covered, appraisal fees, etc so you do n't have to. It 's not money sitting in a bank or anything like that so there is nothing you need to list on your paperwork for them. '' It states in the contract the only fee that NHBA will receive is one month 's gross income or {$1500.00}. Its also states, that if I request NHBA to assist with your credit history ''. I never made that request in written or verbal. My file was assigned to XXXX XXXX, she stated she had run my credit that I was pre approved for {$100000.00}. And just told me what I need to pay off the credit report. I paid and negotiated all my accounts in collections, all NHBA did was sent me letters to sign and I was told to send them to all three credit bureaus. XXXX minute XXXX XXXX tells me that I am ready to purchase and the next minute I have to do something else. XXXX XXXX also stated that I was pre approved with XXXX Mortgage XXXX. XXXX XXXX office is located XXXX as well, she stated that I was denied a loan, not once have I seen a denied letter from a lender of any type.I spoke with an agent at XXXX Mortgage I was told I could not be assisted on home loan because I lived in XXXX. I was referred to your agency by a loan broker at XXXX bank here XXXX. I have spoken with estates, loan officers and brokers who has told me the practices of NHBA are not good and no one that I have mention above wants to work with them, they all say it is a scam. I a really feel like I have been taken for my money. I want my refund of XXXX. NHBA stated in the there in advertisement that NHBA would be able to provide a person with a home in 24 months or less, advertisement radio and flyer, flyer is attached and contract. I was told that they would match what I put in which was {$2300.00}. I would not had given this type of money to NHBA if I knew what I have learned now and the have other complaints from people on the XXXX where NHBA has done the same to others. I am not satisfied with the services or treatment I have received. I still have not purchased a home of today. I do not want to work with NHBA or have anything else to do with this business. Attached are emails from XXXX XXXX and the contract that was sign with NHBA. I am single mother trying to better myself and the life of my XXXX daughters. Because of all the lies from NHBA we are living with relatives. Thank you for any assist that can be given.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

An identity theft report was send to the credit bureaus reporting a fraud account. They deleted the account then a couple days later it was added once again. Account XXXX XXXX XXXX ) its a different account number on equifax ( XXXX ) if it's the same account and an investigation took place and you respo ded that everything was 100 % accurate and mine how is this possible. Not of the dates match last open, balances etc I have highlighted all marks in blue. I understand I have up to {$1000.00} per violation on my consumer report. According to the fair credit reporting act. Please delete account immediately as you are violating my rights. Everything reporting has to be 100 % accurate. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Made several calls to XXXX customer service about not being able to return equipment. Equipment was returned and Collections Dept. said it would be removed. Debt had been removed from credit and collection agency and now has been re-reported in XXXX through Diversified Consultants INC even though XXXX removed it a second time. Spoke with billing again and agent XXXX said equipment was received and would escalate. This is the third time this statement is made. They have received the equipment and refuse to remove this. Agent provided Serial Number to verify equipment was received. # XXXX.
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc. (KS)

Long time XXXX customer. Always paid my bills on time. When I transferred my service to another provider, I waited to pay on the last bill as I knew I would get a final bill and I only wanted to pay once. 
Not only did they charge me for an entire month even though I did n't use the full month, the worst thing is I got a letter from a collection agency BEFORE I even got the final bill. 
They did not call me, They did not warn me. They sent it to a collection agency when it was & lt ; 2 weeks late and they sent it to a collection agency before I even got a XXXX bill or XXXX notice
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I transferred {$95.00} USD as {$140.00} AUD by PayPal to a XXXX  business XXXX XXXX XXXXXXXX that offers virtual XXXX  language classes. On their site they advertise that classes are offered by XXXX  ( see attached ) and on their XXXX XXXX  they say that all can participate at any ability level. In fact, they required me to instal a Russian program called XXXX which does not work with my phone number. They do not use XXXX as promised. Also, their most intro level class is too advanced and required that students read in XXXX. I e-mailed on the very same day that they sent their first communication and offered to postpone until I taught myself the alphabet ; I also asked if there was a more intro-level class in the future. I next e-mailed to say that I could not instal XXXX. They gave me the run-around for a few days by asking me to take a test and buy a workbook, which I had already done, and then said that it was too late for me to ask for a refund as the class was underway ( See attached ). Services were NOT received. I never joined a chat or participated in a class. I paid for the workbook ( {$10.00} ) and classes ( {$95.00} ) and only want a refund for the classes. I paid XXXX through PayPal and received an e-mail with class info from XXXX ; I my PayPal is associated with XXXX and XXXX, and I registered for class with the latter e-mail. 

XXXX Paypal XXXX ID XXXX Paypal XXXX ID XXXX XXXX XXXXXXXX? XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filling this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-10-16
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. (TX)

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out :  XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach.

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern I am of sound mind and competent to handle my own legal affairs. 
I am THE CREDITOR and given the right by god himself 15 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 1602 ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, Original Creditor, XXXX XXXX, XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 2015-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

I have discovered and notified OneWest Bank pursuant to XXXX XXXX XXXX, that the Assignment of Mortgage on my loan was was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I also requested OneWest Bank to investigate pursuant to XXXX XXXX XXXX. OneWest Bank has failed to respond and acknowledge the robo-signed Assignment of Mortgage that they are attempting to use in a foreclosure proceeding.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (VA)

I turned in my leased vehicle, XX/XX/XXXX BMW XXXX XXXX, and was released from the associated lease on XX/XX/XXXX. Despite only having the leased vehicle for 107 days during the calendar year of XX/XX/XXXX and properly closing out the lease, BMW Financial Services sent me a bill for for a full year of property taxes on the vehicle plus extra charges equating to {$1500.00}. I informed BMW Financial Services that I was willing to pay the property tax for the 107 days I leased the vehicle which equated to {$410.00} ; however, BMW Financial Services stated I was responsible for the full amount they paid on my behalf.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (FL)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Consumer complaint received 2017-05-22
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. (SC)

This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on Experian. This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further w hich may resu lt in a lawsuit.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I.Q Data International has incorrectly reported a debt that is affecting my credit score. The company has not taken my side of the dispute into account or the fact that the Texas Property Code Chapter 92 allows me to terminate my lease without penalty. The company is blatantly ignoring the law, Texas Property Code Chapter 92, in order to forcibly collect a debt that is not owed. The only verification they have provided about the debt is the account information from XXXX XXXX XXXX, which does not validate the accuracy of the debt. I am still receiving notification stating that I owe the debt even though the law states otherwise. 

This is my second complaint against the IQ Data International submitted to the Financial Protection Agency. My first complaint is referenced in case number XXXX where I provided all the background information regarding situation between the XXXX XXXX Apartments and I, and the incidents that transpired between IQ Data International and I on the first debt notification. 

Additionally, IQ Data International has failed to provide the below request information : 1 ) The date the debt was transferred from the original creditor to the third party debt collector 2 ) Proof of my agreement to pay the original creditor ; 3 ) Surety bond information As stated by the Texas Finance Code Section 392.202, a debt collection agency or credit bureau is required to provide the alleged debtor with specific information concerning their debt including but not limited to the above mentioned information.