davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MI)

The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA. 

The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the XXXX XXXXXXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State. 

He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.
Consumer complaint received 2021-12-06
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. (NY)

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. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

My loan was transferred from XXXX to CMG in XXXX of XXXX  after a lengthy process and lots of problems that I ended up filing a complaint on ( you can see all those details on my account here ). Now CMG is doing the same things pretty much. My home owners insurance was XXXX XX/XX/2022 and is now past due because CMG hasn't made the payment. I have been on the phone with approximately 8 people today and all know nothing about what is going on, I asked to talk to escrow and can't seem to get anyone to transfer me to escrow. I pay my payment every single month and they take my escrow out every single month yet they aren't paying the bills that it is to be utilized for. I called and verified with my insurance department that the bill was mailed to the right place and the loan number was correct, and asked them to fax it over to the number that one of the many representatives that I talked to had given me ( she did it while I was on the phone as well as emailed me a copy ), I know they have what they need to pay the bill, they are negligent. I have looked at this companies reviews on the internet and this is not an isolated problem, this is a MAJOR problem and is not okay. I just want to know that my stuff is being taken care of ... .last year I had to pay my taxes out of my pocket even though I paid escrow each month to cover that, and I never got reimbursed for it. Now, looks like I'll have to pay my insurance out of my pocket even though they have my money sitting in the escrow account to pay it. I've asked to not have my taxes and insurance escrowed and let me just handle it myself and was told that it is required that my loan has escrow.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (OH)

I have a loan with Navient, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, Navient closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with Navient and have gotten no where. This loan is over XXXX XXXX XXXX.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, XXXX  XXXX Employers : XXXX XXXX  XXXX
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NJ)

We received a XXXX XXXX gift card on XX/XX/XXXX as a anniversary gift from my mother in law, with {$100.00} loaded on. We did not open the gift card packaging until XX/XX/XXXX when we attempted to use it at XXXX. We were told there was only {$25.00} on it. I looked it up online and see that someone made unauthorized purchases on XX/XX/XXXX in the amount of {$75.00} at Be Renewed Massage. We have never been to this business and don't know where it's located. I attempted to resolve this with XXXX but their process says a dispute must be started within 60 days of a transaction. They also say they won't return the money unless they recover it, even though the transactions occurred from a fully packaged card so likely had to be an " inside job ''. Please assist me in recovering my {$75.00} that was stolen from me.
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NJ)

dept of telnet is on my credit report multiples times same amount. I have sent XXXXXXXX XXXX XXXX.a written letter to please provide proof with original contract.i have given them over 7 years.they failed to do so. and refused to take it off I also sent them letters regarding fair credit action.they still refused to remove it. with no proof I would like this off of my credit report please it has put damage on my credit report for years I have been sending letters asking them to send proof they never do.i just want my life so I can buy a home. there also credit inquires I've been disputing as well. I send letters out every day fighting for what's right please please help.
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2021 I, the consumer, sent a cease and desist to SYNCHRONY BANKXXXX XXXX XXXX for XXXX accounts demanding that all forms of communication through any and ll mediums cease pursuant to the Fair Debt Collections Practices Act 15 USC 1692c ( C ). I, the consumer, demanded an audit trail to provide documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) as defined by XXXX showing proof of this alleged debt pursuant to 12 USC 5562C ( 10 ) and 12 USC 1831n in order to validate this alleged debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g. As my specified remedies pursuant to the Fair Debt Collection Practices Act 15 USC 1692c ( 2 ) I, the consumer, demanded that this alleged debt be zeroed out and return all payments that have been made on this alleged debt, which was a consumer credit transaction, back to me the consumer by check pursuant to the Truth In Lending Act 15 USC 1666d ( B ) for billing errors. I, the consumer, demanded the inaccurate account information being reported to my consumer reports be updated to a XXXX balance. SYNCHRONY BANKXXXX XXXX XXXX XXXX XXXX no permissible purpose to share my nonpublic information pursuant to the Fair Credit Reporting Act 15 USC 1681b ( 2 ) ( a ) nor did I give consent to share my nonpublic information which is identity theft pursuant to the Fair Credit Reporting Act 15 USC 1681a ( q ) ( 3 ). 
SYNCHRONY BANKXXXX XXXX XXXX XXXX has not ceased communication and are still sending me communication through the mails to attempt to collect a debt. This is harassment and a direct violation of my right as a consumer under the Fair Debt Collection Practices Act 15 USC 1692c ( C ). SYNCHRONY BANKXXXX XXXX XXXX XXXX has not sent me any documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this alleged debt. This has denied me my right as the consumer the ability to validate this alleged debt which is a direct violation of Fair Debt Collections Practices Act 15 USC 1692g. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not zeroed out the balance on this account which is a billing error. This is a direct violation of the Truth In Lending Act 15 USC 1666c ( B ) and the Fair Debt Collections Practices Act 15 USC 1692h for multiple debts. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not updated the inaccurate account information being reported to my consumer reports. This is a direct violation of my right to privacy under the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-08-24
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. (NY)

Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance!
Consumer complaint received 2021-12-06
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 (NY)

On XX/XX/2020, I placed an online order on XXXX using my discover card. Due to product quality and damage issues, I decided to return the entire order and received a label in my email from XXXX. I used this label to ship all of the merchandise back to XXXX and they refused to give me a refund. After discussing the problem with discover they started a claim and finally decided to not give me my refund either. They stated that XXXX provided them with a shipping tracking number that was different than the one i provided them and thus can not give me a refund. i provided them with document 1 with was a pdf copy of the email with the return instructions. document 2 is the attachment that was on that email which was supposed to be the shipping label. this was a label i used to return the product because that was the label that XXXX  gave me when i requested the return. Document 3 is a screenshot to prove that the label is from the same attachment that was on the email. I even tried to forward the email to discover but their claim system only accepts pdf submitted through their website. discover is not helping me and seems to be ignoring me after multiple claims.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect names : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, XXXX  XXXX Employer : NOT PROVIDED Date Updated : XX/XX/2018
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ...., and XXXX account XXXX XXXX ... .has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I acquired my home from JP Morgan Chase in XX/XX/1999, I never received the Purchase Money Loan ( Cash Advance ) from JP Morgan Chase Bank, I signed a Promissary Note which doesn't constitute a loan, My mortgage was the agreement that pledged the property as collateral for a loan. I haven't been notified of Acceptance so I paid for and Offer that is currently filed in XXXX XXXX XXXX XXXX. Loans means debt evidence by promissory note plus interest. JP MORGAN CHASE BANK needs to show proof of interest in my private property. This is Fraud 18 USC 1001, slavery forced compliance to contracts not held 18 USC 3571 also Identity theft.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX  Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2021, a person had called me with the caller ID of Wells Fargo and had told me that in order to reverse other fraudulent transactions in my account, I must send {$630.00} to myself through XXXX. These people walked me through every step of the way and ensured me that this was the only way Wells Fargo could prevent these transactions from occurring. This money never returned to me and when I spoke to the representatives at the real Wells Fargo, they said they would investigate this and would be able to return my fund because I was wrongfully scammed. I just received a letter now that they have closed this claim and will not be returning any money. Its truly unfair that this situation has occurred and that I was mislead by those at Wells Fargo because they were unable to help out due to the fact that I was manipulated into authorizing this transaction. I have been loyal to this institution for over 10 years and during my time of need, they have let me down and left me on my own.
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (TX)

my wife has XXXX and i send XXXX from my XXXX bank in texas,,, i'm a XXXX XXXX XXXX XXXX veteran,,, the company name is Remitly money transfers... money was send on the XXXX and was due XXXX at XXXX today, ,now they are saying it we get here on the XXXX... .they have already charged me the XXXX so i can't send money thur XXXX XXXX or other ways,,, the money is for medical needs for my wife.. my pensions come on the XXXX and XXXX of each nonth... .their service is teriable,,, ,i have call and they provide no anwsers... please help ... my email XXXX XXXX
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (PA)

To whom it may concern, Under 15 u.s code 1618B-permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AR Resources, Inc. (FL)

On XX/XX/2021 AR Resources added a derogatory mark on my credit report in reference to XXXX accounts per XXXX and XXXX. I disputed account # XXXX, # XXXX, # XXXX with the Creditor XX/XX/2021, nothing I demanded was provided to me except a copy of a bill. A bill without no signature does not validate the debt and anyone can send a bill and say its mine. Also the account # XXXX in particular, has passed the Statute of limitations according to FL Medical Debt Law this was XXXX of the demands the creditor FAILED TO PROVIDE, In addition to, according to FDCPA, Creditors must report to the CRA that an account is being disputed and A UPDATE Activity Status AR Resources FAILED TO DO THAT. I have the accounts re-investigated and still they did not contact the CRA regarding the disputed account also no change in the account activity, It shows a consumer dispute the account because I have disputed these accounts in the past, NO ACCOUNT ACTIVITY UPDATE from XX/XX/XXXX until today. I would like these accounts REMOVED IMMEDIATELY