davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I live in XXXX, XXXX XXXX XX/XX/2019 XXXX XXXX sent a group of men in a box truck to " inspect '' my home. After kicking in my door and removing valuables from my home, including but not limited to ( XXXX ) XXXX, ( 1 ) Laptop, various video games and and XXXX. In addition, they stole equipment by cutting ( 2 ) locks off an enclosed work trailer filled with approximately {$50000.00} worth of tools. I contacted the bank, and they told me to file a police report. I filed the report the next day. The bank has since refused to talk with police or me about the theft. It should be noted that this same bank ( XXXX XXXX  ) was subject to XXXX dollar settlement with several states, including Connecticut for engaging in this illegal/criminal behavior. I am asking for your help or guidance with this situation. It is extremely important and news worthy for the public to be aware of such behavior. I have about 40 pages of documentation, including police reports. to prove my assertions. Please contact me at XXXX. Look forward to hearing from you.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TX)

I have a current complaint against XXXX XXXX with XXXX XXXX now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is Credit Control LLC
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IA)

I had a garnishment with Jefferson Capital System LLC. For a debt I paid the garnishment in XXXX. My attorney filed for a motion to quash due to hardship and limitations on a garnishment in a year. We had court XX/XX/XXXX which the motion was settled with Jefferson Capital agree to close the case, and to return full refund to me. So my attorney told me to look out for my refund in the mail. I have yet to receive the check so I reached out to Jefferson Capital on XX/XX/XXXX and was told they didnt have the check to reach out to XXXX XXXX XXXX reached out to XXXX XXXX they told me to contact XXXX XXXX which XXXX XXXX XXXX they do not have the check and that Jefferson Capital has the check and stated it was also cashed. So I was directed by my attorney to go down to the court house in person. Which I did and spoke with the supervisor, then spoke with the supervisor in Bookkeeping who reached out to Jefferson Capital and was told he thought he sent the check, but was sending it out today which was XX/XX/XXXX she called me and told me to call them again on Monday to do a follow up! Which I didnt cause I was working and forgot but reached out to Jefferson Capital Tuesday XX/XX/XXXX and was told that he sent the check out on XX/XX/XXXX for {$1900.00} which should of been {$2200.00}. Shortly after speaking with them my Attorney calls and states she just got off the for with Jefferson Capital and he had XXXX options for me XXXX. I can get a refund of {$700.00} and the case would be closed or XXXX. I can get the full refund and he can come back in the future and garnish the remaining balance. My attorney knows Im in the process of filing bankruptcy so she suggested I take the full payment refund so she called him back and told him to send the full refund. So the came XX/XX/XXXX the check was in the mail for {$760.00} but the stub had {$1000.00} interest {$120.00} so I emailed my attorney she didnt reply she is sick so o reached out to her assistant and told her what was going on! And when this happens I noticed that sent another garnishment for the same one for {$330.00}
Consumer complaint received 2021-05-28
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. (CA)

XXXX ran my credit accidentally, maybe.my kid pressed a button while browsing and it was auto filled. I never wanted a credit check and my credit was affected. I need this removed because I am working on my credit and want a decent vehicle in the future.
Consumer complaint received 2022-05-19
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. (OH)

XXXX transunion llc took one of the dismissed bankruptcy off and not the other one when both of the dimissed bankruptcy are attached, just because somebody file bankruptcy does not mean they went through with the process. I also went to bankruptcy court in XXXX ohio and got certified copies of the dismissed bankruptcy, transunion come back as accurate when it not because most of the creditors are on the XXXX  XXXX which is discharged so they still reporting inaccurate information going by that 3rd party they rely on for information which is XXXX XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' .THE LARGE DEBT CAN NOT BE VERIFIED XXXX  I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IN)

On XX/XX/XXXX Netspend closed the account Ive had open for over 10 years due to a secondary cardholder being deceased. Since XXXX, Ive asked to have both of the other cardholders names removed from account but was told that was impossible. One of those cardholders passed away XX/XX/XXXX. The more than {$9000.00} in the account has been deposited over time in my name only & is legally my money, however Netspend is refusing to release those funds to me. Their basis is that the federal government will not allow those funds to be released to me because a secondary cardholder is now deceased. They keep repeating that they have to return the money to the senders ( from over time ), even though they admit the funds were sent for the primary account holder. 

Im a single mother of XXXX. My fianc was XXXX  last year right before COVID. Netspend had been my XXXX XXXX institution for more than 10 years. Me & my children not only need this money but are legally entitled to it.
Consumer complaint received 2022-05-02
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. (LA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 2022-05-02
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: AmeriCollect (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I am disputing Nationstar 's refusal to failure to credit my full payment to my mortgage loan account of {XXXX} XXXX as of the date of receipt of XX/XX/XXXX and refusal to apply an accepted payment of {$170000.00} required by my mortgage or apply the payment in the specified order of interest, principal, escrow, or other charges under the terms of the mortgage loan and applicable law, as seen in the attached account history dated XX/XX/XXXX, first noticed to Nationstar XX/XX/XXXX and then XX/XX/XXXX. 

Nationstar only reflects in lines 78, 95 and 96 it received {$160000.00} from me that reflects inaccurate claims by Nationstar to the CRA 's that I am paying under a partial payment agreement, made a partial payment or that I am currently 180+ days past due at XXXX as of XX/XX/XXXX. 

Nationstar has obtained a court order under the same note and mortgage for attorney 's fees, while refusing to comply with the same contracts material terms and is seeking to damage me for {$25000.00} not allowed under the contract while remaining in breach of the note and mortgage. 

As well, the above stated refusals to comply with the note in section 3a and the mortgage, Nationstar is utilizing the misleading inaccurate account information in my mortgage loan 's account history to report that as of XX/XX/XXXX, I became 180+ days past due after becoming current on my loan, paying my XX/XX/XXXX payment as current, and paying off the loan 's balance in full XX/XX/XXXX. 

XX/XX/XXXX, I emailed and faxed Nationstar 's Counsel a last dispute claiming these exact matters and am hoping this will resolve all currently ongoing breach of contract claims that are causing inaccurate credit reporting by Nationstar to the CRA 's repeatedly as I have documented from XX/XX/XXXX to current date. 

Nationstar 's Counsel failed to deliver any response to me regarding my credit reporting complaint on or after XX/XX/XXXX.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( Equifax, XXXX and XXXX ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). 
Please provide the following items : id

entify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit
report to prevent further damage.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

This is the second complaint I have filed in the last 2 weeks. They still have not solved the issue. XXXX XXXX XXXX XXXX is attempting to pull my equifax report and they kick it back and will not release the report. I have called Equifax 9 times, each time they assure me they are going to fix the issue. I have asked to speak to a supervisor many times and they simply disconnect my call. I tried again this Morning, XXXX XXXX XXXX XXXX attempted to pull credit and it returned an error saying Equifax will STILL not release my credit report. The last complaint I filed with the CFPB did NOT resolve the Issue. XXXX and XXXX release the report without Issue but Equifax Still does not Release the report. This is causing me extreme emotional stress and financial Harm.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND FUNDING, a debt collection company, is reporting a late payment of {$1.00} when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts. ) They have been doing this monthly to lower my credit score on my XXXXXXXX XXXX.
Consumer complaint received 2021-12-07
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: A+ Loans, Inc. (GA)

On XX/XX/XXXX, I had filed a dispute on XXXX for a debt that has been improperly reporting on my credit report. The account with A + Loans was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a chapter XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under Chapter XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included A+Loans. My bankruptcy was discharged on XX/XX/XXXX and A+Loans was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, A+ Loans started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting XXXX years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

I wrote the following letter to Chase Bank XX/XX/2022. I called them the day of the scam to report it. There terse reply was they are not doing anything about the scam. 

Customer Claims Dept. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Scam using XXXX Dear Sirs : I am embarrassed to report I was scammed by someone using XXXX. But am I am angry that XXXX will do nothing about it after I reported the scam. 

The scammer used fake XXXX email messages. I have a copy of the XXXX XXXX messages that took place and copies of the fake XXXX emails. 

The scam took place on XX/XX/2022. The XXXX id used by the scammer is XXXX and the XXXX transaction # is XXXX. 

The amount of the scam was {$300.00} and the copy of the messages and my XXXX account transactions will show no money was received by me. 

I have reported the scam to the FBI via an Internet Crime Complaint and I plan to report the scam to the State of Ohio Attorney General 's office. 

I trust you will resolve the issue with a credit to my account for the scammed {$300.00}. Otherwise, I will be switching my bank accounts to another bank.
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 United Collections Bureau Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXX, XXXX Bank XXXX ) XXXX 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer. 

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-03-22
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, has violated my rights. I have the right to privacy. The law also states a consumer reporting agency can not furnish a account without my written instructions. I have sent several written request to this agency and have had zero responses or changes to my consumer report.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I filed a dispute on a merchant through XXXX with Citibank for an amount of {$2300.00}. I contacted everyone and Citibank was the only one willing to help me out, I tried telling XXXX and XXXX so much about the situation but they didnt really help me all they told me was to file a dispute with my bank which I did. XXXX and XXXX had the worst customer service ever especially XXXX  since I was barely able to contact them. Only response I got from XXXX was to dispute it and a month later Citibank tells me they was not in my favor and took money out which I dont think its fair. I tried reaching out for help and although I didnt receive the items I dont think its right for them reach that final decision. I tried giving as much as information I could, I hope you guys can help me out because this is really stressful and not fair. I didnt receive nothing for me to be charged that amount.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2022-11-05
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. (MD)

I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX XXXX and XXXX reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX XXXX XXXX reporting 60 days late EQUIFAX reporting 30 days late, XX/XX/XXXX XXXX and XXXX reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX  According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.